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$9,407
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$297/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,605
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,994/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,465
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$285/mo
Today · 4.125%
HK$11,031
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,062/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,289
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,640
−HK$356/mo
Today · 4.125%
HK$11,996
baseline
▲ 0.50% · 4.625%
HK$12,726
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$23,992/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,558
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,895
−HK$342/mo
Today · 4.125%
HK$13,237
baseline
▲ 0.50% · 4.625%
HK$13,935
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,474/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,170
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$416/mo
Today · 4.125%
HK$13,996
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,992/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,651
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$399/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,886/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,933
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,460
−HK$535/mo
Today · 4.125%
HK$17,995
baseline
▲ 0.50% · 4.625%
HK$19,090
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$35,990/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,838
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,343
−HK$512/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$20,902
+HK$1,047/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,193 · 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).