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$9,403
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,696
−HK$297/mo
Today · 4.125%
HK$9,993
baseline
▲ 0.50% · 4.625%
HK$10,601
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,986/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,461
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$284/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,608
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,052/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,284
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$357/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,984/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,553
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,890
−HK$342/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,464/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,165
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,574
−HK$416/mo
Today · 4.125%
HK$13,990
baseline
▲ 0.50% · 4.625%
HK$14,842
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,980/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,646
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$398/mo
Today · 4.125%
HK$15,437
baseline
▲ 0.50% · 4.625%
HK$16,251
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,874/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,926
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$535/mo
Today · 4.125%
HK$17,988
baseline
▲ 0.50% · 4.625%
HK$19,082
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,976/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,830
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,335
−HK$513/mo
Today · 4.125%
HK$19,848
baseline
▲ 0.50% · 4.625%
HK$20,894
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,696/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,870 · 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).