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$9,408
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$298/mo
Today · 4.125%
HK$9,998
baseline
▲ 0.50% · 4.625%
HK$10,606
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,996/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,466
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,747
−HK$284/mo
Today · 4.125%
HK$11,031
baseline
▲ 0.50% · 4.625%
HK$11,613
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,062/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,289
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,640
−HK$357/mo
Today · 4.125%
HK$11,997
baseline
▲ 0.50% · 4.625%
HK$12,727
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$23,994/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,559
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,896
−HK$342/mo
Today · 4.125%
HK$13,238
baseline
▲ 0.50% · 4.625%
HK$13,935
+HK$697/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,476/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,171
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$417/mo
Today · 4.125%
HK$13,997
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,994/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$399/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,888/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,934
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,460
−HK$536/mo
Today · 4.125%
HK$17,996
baseline
▲ 0.50% · 4.625%
HK$19,091
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$35,992/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,839
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$512/mo
Today · 4.125%
HK$19,856
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,047/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,712/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,238 · 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).