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$590/mo
▼ 0.25% · 3.875%
HK$9,699
−HK$297/mo
Today · 4.125%
HK$9,996
baseline
▲ 0.50% · 4.625%
HK$10,604
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,992/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,464
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,745
−HK$285/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,611
+HK$581/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$25,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,287
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,639
−HK$356/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,725
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$23,990/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,557
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$342/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$13,933
+HK$697/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$25,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$416/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,846
+HK$852/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$25,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,650
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,043
−HK$399/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,255
+HK$813/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$25,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,931
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,458
−HK$535/mo
Today · 4.125%
HK$17,993
baseline
▲ 0.50% · 4.625%
HK$19,088
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$35,986/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,836
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$512/mo
Today · 4.125%
HK$19,853
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,047/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,706/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,112 · 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).