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$9,701
−HK$297/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$25,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,466
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,747
−HK$285/mo
Today · 4.125%
HK$11,032
baseline
▲ 0.50% · 4.625%
HK$11,613
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,064/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,290
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$357/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,728
+HK$730/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$25,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,560
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$341/mo
Today · 4.125%
HK$13,238
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$698/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$25,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,171
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,581
−HK$416/mo
Today · 4.125%
HK$13,997
baseline
▲ 0.50% · 4.625%
HK$14,849
+HK$852/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$25,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,653
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,046
−HK$399/mo
Today · 4.125%
HK$15,445
baseline
▲ 0.50% · 4.625%
HK$16,259
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,890/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,935
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,461
−HK$536/mo
Today · 4.125%
HK$17,997
baseline
▲ 0.50% · 4.625%
HK$19,092
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$35,994/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,840
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,345
−HK$513/mo
Today · 4.125%
HK$19,858
baseline
▲ 0.50% · 4.625%
HK$20,904
+HK$1,046/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,716/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,284 · 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).