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$9,403
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,695
−HK$298/mo
Today · 4.125%
HK$9,993
baseline
▲ 0.50% · 4.625%
HK$10,601
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,986/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,461
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,741
−HK$285/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,607
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,052/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,283
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$357/mo
Today · 4.125%
HK$11,991
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$730/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,982/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,553
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,889
−HK$342/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,462/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,164
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$417/mo
Today · 4.125%
HK$13,990
baseline
▲ 0.50% · 4.625%
HK$14,841
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,980/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,645
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,038
−HK$398/mo
Today · 4.125%
HK$15,436
baseline
▲ 0.50% · 4.625%
HK$16,250
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,872/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,925
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,452
−HK$535/mo
Today · 4.125%
HK$17,987
baseline
▲ 0.50% · 4.625%
HK$19,081
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,974/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,829
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,334
−HK$512/mo
Today · 4.125%
HK$19,846
baseline
▲ 0.50% · 4.625%
HK$20,892
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,692/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,821 · 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).