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$9,409
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,701
−HK$298/mo
Today · 4.125%
HK$9,999
baseline
▲ 0.50% · 4.625%
HK$10,607
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,998/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,467
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,748
−HK$285/mo
Today · 4.125%
HK$11,033
baseline
▲ 0.50% · 4.625%
HK$11,614
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,066/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,290
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$356/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$23,996/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,561
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$342/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,478/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,172
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,582
−HK$416/mo
Today · 4.125%
HK$13,998
baseline
▲ 0.50% · 4.625%
HK$14,850
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,996/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,654
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,047
−HK$399/mo
Today · 4.125%
HK$15,446
baseline
▲ 0.50% · 4.625%
HK$16,260
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,892/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,936
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,462
−HK$536/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$19,093
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$35,996/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,841
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,346
−HK$513/mo
Today · 4.125%
HK$19,859
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,046/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,718/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,333 · 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).