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$589/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$297/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,982/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,459
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,740
−HK$284/mo
Today · 4.125%
HK$11,024
baseline
▲ 0.50% · 4.625%
HK$11,605
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,048/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,282
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,633
−HK$356/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,719
+HK$730/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,978/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,551
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,888
−HK$341/mo
Today · 4.125%
HK$13,229
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,458/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,162
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,572
−HK$416/mo
Today · 4.125%
HK$13,988
baseline
▲ 0.50% · 4.625%
HK$14,839
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,976/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,643
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,035
−HK$399/mo
Today · 4.125%
HK$15,434
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$813/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,868/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,923
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$535/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$19,078
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,968/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,826
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,331
−HK$513/mo
Today · 4.125%
HK$19,844
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,688/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,702 · 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).