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$9,416
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$298/mo
Today · 4.125%
HK$10,006
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,012/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,475
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$285/mo
Today · 4.125%
HK$11,041
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,082/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,299
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$357/mo
Today · 4.125%
HK$12,007
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,014/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,570
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$342/mo
Today · 4.125%
HK$13,249
baseline
▲ 0.50% · 4.625%
HK$13,947
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,498/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,182
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,592
−HK$416/mo
Today · 4.125%
HK$14,008
baseline
▲ 0.50% · 4.625%
HK$14,861
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,016/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,665
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,058
−HK$399/mo
Today · 4.125%
HK$15,457
baseline
▲ 0.50% · 4.625%
HK$16,272
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,914/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,948
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,475
−HK$536/mo
Today · 4.125%
HK$18,011
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$1,096/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,022/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$25,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,855
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,360
−HK$513/mo
Today · 4.125%
HK$19,873
baseline
▲ 0.50% · 4.625%
HK$20,921
+HK$1,048/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,746/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$25,936 · 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).