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$9,401
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,693
−HK$297/mo
Today · 4.125%
HK$9,990
baseline
▲ 0.50% · 4.625%
HK$10,598
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,980/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,458
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,739
−HK$284/mo
Today · 4.125%
HK$11,023
baseline
▲ 0.50% · 4.625%
HK$11,604
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,046/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,281
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,632
−HK$356/mo
Today · 4.125%
HK$11,988
baseline
▲ 0.50% · 4.625%
HK$12,718
+HK$730/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,976/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,550
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$342/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$13,925
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,456/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,161
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,570
−HK$416/mo
Today · 4.125%
HK$13,986
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,972/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,641
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,034
−HK$398/mo
Today · 4.125%
HK$15,432
baseline
▲ 0.50% · 4.625%
HK$16,246
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,864/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,921
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,447
−HK$535/mo
Today · 4.125%
HK$17,982
baseline
▲ 0.50% · 4.625%
HK$19,076
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,964/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,825
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,329
−HK$513/mo
Today · 4.125%
HK$19,842
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,684/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,621 · 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).