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$9,402
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,695
−HK$297/mo
Today · 4.125%
HK$9,992
baseline
▲ 0.50% · 4.625%
HK$10,600
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,984/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,460
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,741
−HK$284/mo
Today · 4.125%
HK$11,025
baseline
▲ 0.50% · 4.625%
HK$11,606
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,050/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,283
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$356/mo
Today · 4.125%
HK$11,990
baseline
▲ 0.50% · 4.625%
HK$12,720
+HK$730/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,980/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,552
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,889
−HK$341/mo
Today · 4.125%
HK$13,230
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$698/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,460/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,163
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$416/mo
Today · 4.125%
HK$13,989
baseline
▲ 0.50% · 4.625%
HK$14,840
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,978/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,644
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,037
−HK$398/mo
Today · 4.125%
HK$15,435
baseline
▲ 0.50% · 4.625%
HK$16,249
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,870/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,924
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,451
−HK$534/mo
Today · 4.125%
HK$17,985
baseline
▲ 0.50% · 4.625%
HK$19,080
+HK$1,095/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,970/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,828
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,333
−HK$512/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$20,891
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,773 · 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).