The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,478
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,773
−HK$300/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,146/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,545
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$286/mo
Today · 4.125%
HK$11,114
baseline
▲ 0.50% · 4.625%
HK$11,700
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,228/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,374
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$359/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,823
+HK$736/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,174/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,654
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,993
−HK$344/mo
Today · 4.125%
HK$13,337
baseline
▲ 0.50% · 4.625%
HK$14,040
+HK$703/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,674/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$31,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,270
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,683
−HK$419/mo
Today · 4.125%
HK$14,102
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,204/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,763
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$401/mo
Today · 4.125%
HK$15,560
baseline
▲ 0.50% · 4.625%
HK$16,380
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,120/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,061
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$539/mo
Today · 4.125%
HK$18,131
baseline
▲ 0.50% · 4.625%
HK$19,234
+HK$1,103/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,262/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,981
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,490
−HK$516/mo
Today · 4.125%
HK$20,006
baseline
▲ 0.50% · 4.625%
HK$21,061
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,012/mo (50% DSR)
Upfront cash ≈ HK$447K (deposit + AVD stamp duty HK$31,454 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).