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$9,413
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,706
−HK$297/mo
Today · 4.125%
HK$10,003
baseline
▲ 0.50% · 4.625%
HK$10,612
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,006/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,472
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,753
−HK$285/mo
Today · 4.125%
HK$11,038
baseline
▲ 0.50% · 4.625%
HK$11,620
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,076/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,296
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$357/mo
Today · 4.125%
HK$12,004
baseline
▲ 0.50% · 4.625%
HK$12,735
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,008/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,566
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$342/mo
Today · 4.125%
HK$13,245
baseline
▲ 0.50% · 4.625%
HK$13,944
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,490/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,178
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,588
−HK$417/mo
Today · 4.125%
HK$14,005
baseline
▲ 0.50% · 4.625%
HK$14,857
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,010/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,661
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,054
−HK$399/mo
Today · 4.125%
HK$15,453
baseline
▲ 0.50% · 4.625%
HK$16,267
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,906/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,944
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$535/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$19,102
+HK$1,096/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,012/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$25,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,850
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,355
−HK$513/mo
Today · 4.125%
HK$19,868
baseline
▲ 0.50% · 4.625%
HK$20,915
+HK$1,047/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,736/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$25,720 · 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).