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$9,413
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,705
−HK$298/mo
Today · 4.125%
HK$10,003
baseline
▲ 0.50% · 4.625%
HK$10,612
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,006/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,471
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,752
−HK$285/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,619
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,074/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,295
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$356/mo
Today · 4.125%
HK$12,003
baseline
▲ 0.50% · 4.625%
HK$12,734
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,006/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,566
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$342/mo
Today · 4.125%
HK$13,245
baseline
▲ 0.50% · 4.625%
HK$13,943
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,490/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,178
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,588
−HK$416/mo
Today · 4.125%
HK$14,004
baseline
▲ 0.50% · 4.625%
HK$14,856
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,008/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,660
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,053
−HK$399/mo
Today · 4.125%
HK$15,452
baseline
▲ 0.50% · 4.625%
HK$16,267
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,904/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,943
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,470
−HK$535/mo
Today · 4.125%
HK$18,005
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$1,096/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,010/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,849
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$513/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,047/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,678 · 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).