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$9,404
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,696
−HK$298/mo
Today · 4.125%
HK$9,994
baseline
▲ 0.50% · 4.625%
HK$10,602
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,988/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,462
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$285/mo
Today · 4.125%
HK$11,027
baseline
▲ 0.50% · 4.625%
HK$11,608
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,054/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,285
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,636
−HK$356/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,722
+HK$730/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$24,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,554
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$341/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$13,930
+HK$698/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$24,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,166
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$416/mo
Today · 4.125%
HK$13,991
baseline
▲ 0.50% · 4.625%
HK$14,842
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,982/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,647
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$399/mo
Today · 4.125%
HK$15,438
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,876/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,927
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$535/mo
Today · 4.125%
HK$17,989
baseline
▲ 0.50% · 4.625%
HK$19,083
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,978/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,831
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,336
−HK$513/mo
Today · 4.125%
HK$19,849
baseline
▲ 0.50% · 4.625%
HK$20,895
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,698/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,918 · 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).