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$9,406
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,698
−HK$297/mo
Today · 4.125%
HK$9,995
baseline
▲ 0.50% · 4.625%
HK$10,604
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,990/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,464
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,744
−HK$285/mo
Today · 4.125%
HK$11,029
baseline
▲ 0.50% · 4.625%
HK$11,610
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,058/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,287
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,638
−HK$357/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,990/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$25,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,556
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,893
−HK$342/mo
Today · 4.125%
HK$13,235
baseline
▲ 0.50% · 4.625%
HK$13,932
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,470/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$25,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,168
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$416/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,988/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,649
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$399/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,255
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,882/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,457
−HK$535/mo
Today · 4.125%
HK$17,992
baseline
▲ 0.50% · 4.625%
HK$19,087
+HK$1,095/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,984/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,835
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,340
−HK$512/mo
Today · 4.125%
HK$19,852
baseline
▲ 0.50% · 4.625%
HK$20,899
+HK$1,047/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,704/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,066 · 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).