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$9,396
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,688
−HK$297/mo
Today · 4.125%
HK$9,985
baseline
▲ 0.50% · 4.625%
HK$10,593
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,970/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,453
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,733
−HK$285/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,598
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,036/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,275
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,626
−HK$356/mo
Today · 4.125%
HK$11,982
baseline
▲ 0.50% · 4.625%
HK$12,711
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,964/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,543
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$341/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$13,918
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,442/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,154
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$416/mo
Today · 4.125%
HK$13,979
baseline
▲ 0.50% · 4.625%
HK$14,830
+HK$851/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,958/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,634
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$399/mo
Today · 4.125%
HK$15,425
baseline
▲ 0.50% · 4.625%
HK$16,238
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,850/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,913
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,439
−HK$534/mo
Today · 4.125%
HK$17,973
baseline
▲ 0.50% · 4.625%
HK$19,067
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,946/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,815
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,320
−HK$512/mo
Today · 4.125%
HK$19,832
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,664/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,209 · 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).