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$9,414
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$297/mo
Today · 4.125%
HK$10,004
baseline
▲ 0.50% · 4.625%
HK$10,613
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,008/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,473
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$285/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,621
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,078/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,297
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$357/mo
Today · 4.125%
HK$12,005
baseline
▲ 0.50% · 4.625%
HK$12,736
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,010/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,567
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$342/mo
Today · 4.125%
HK$13,246
baseline
▲ 0.50% · 4.625%
HK$13,945
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,492/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,179
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,589
−HK$417/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,858
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,012/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,662
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,055
−HK$399/mo
Today · 4.125%
HK$15,454
baseline
▲ 0.50% · 4.625%
HK$16,269
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,908/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,945
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,472
−HK$536/mo
Today · 4.125%
HK$18,008
baseline
▲ 0.50% · 4.625%
HK$19,103
+HK$1,095/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,016/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$25,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,851
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$513/mo
Today · 4.125%
HK$19,870
baseline
▲ 0.50% · 4.625%
HK$20,917
+HK$1,047/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,740/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$25,785 · 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).