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$9,399
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$298/mo
Today · 4.125%
HK$9,989
baseline
▲ 0.50% · 4.625%
HK$10,596
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,978/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,456
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,737
−HK$284/mo
Today · 4.125%
HK$11,021
baseline
▲ 0.50% · 4.625%
HK$11,602
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,042/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,279
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,630
−HK$356/mo
Today · 4.125%
HK$11,986
baseline
▲ 0.50% · 4.625%
HK$12,716
+HK$730/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,972/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,548
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,884
−HK$342/mo
Today · 4.125%
HK$13,226
baseline
▲ 0.50% · 4.625%
HK$13,923
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,452/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,159
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,568
−HK$416/mo
Today · 4.125%
HK$13,984
baseline
▲ 0.50% · 4.625%
HK$14,835
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,968/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,639
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,032
−HK$398/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,243
+HK$813/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,860/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,918
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,445
−HK$534/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,958/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,822
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$512/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$20,884
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,493 · 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).