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$9,410
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,703
−HK$297/mo
Today · 4.125%
HK$10,000
baseline
▲ 0.50% · 4.625%
HK$10,609
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,000/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,469
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$285/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,070/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,292
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$357/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,731
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,002/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,563
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$341/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,482/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,174
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,584
−HK$417/mo
Today · 4.125%
HK$14,001
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,002/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,656
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,050
−HK$398/mo
Today · 4.125%
HK$15,448
baseline
▲ 0.50% · 4.625%
HK$16,263
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,896/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,939
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$536/mo
Today · 4.125%
HK$18,001
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$36,002/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$513/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,047/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,476 · 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).