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$9,407
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,699
−HK$298/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,605
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,994/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,465
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$284/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,060/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,288
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,639
−HK$357/mo
Today · 4.125%
HK$11,996
baseline
▲ 0.50% · 4.625%
HK$12,726
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$23,992/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,558
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,895
−HK$341/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$13,934
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,472/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,579
−HK$416/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,990/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,651
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$398/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,256
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,884/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,932
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,459
−HK$535/mo
Today · 4.125%
HK$17,994
baseline
▲ 0.50% · 4.625%
HK$19,089
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$35,988/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,837
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,342
−HK$513/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$20,901
+HK$1,046/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,160 · 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).