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$9,400
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,692
−HK$298/mo
Today · 4.125%
HK$9,990
baseline
▲ 0.50% · 4.625%
HK$10,597
+HK$607/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$24,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,458
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,738
−HK$284/mo
Today · 4.125%
HK$11,022
baseline
▲ 0.50% · 4.625%
HK$11,604
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,044/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,280
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,631
−HK$356/mo
Today · 4.125%
HK$11,987
baseline
▲ 0.50% · 4.625%
HK$12,717
+HK$730/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,974/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,549
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$341/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$13,924
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,454/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,160
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$416/mo
Today · 4.125%
HK$13,985
baseline
▲ 0.50% · 4.625%
HK$14,836
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,970/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,641
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,033
−HK$398/mo
Today · 4.125%
HK$15,431
baseline
▲ 0.50% · 4.625%
HK$16,245
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,862/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,920
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,446
−HK$535/mo
Today · 4.125%
HK$17,981
baseline
▲ 0.50% · 4.625%
HK$19,075
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,962/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,824
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,328
−HK$512/mo
Today · 4.125%
HK$19,840
baseline
▲ 0.50% · 4.625%
HK$20,886
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,680/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,577 · 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).