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$9,391
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,683
−HK$297/mo
Today · 4.125%
HK$9,980
baseline
▲ 0.50% · 4.625%
HK$10,587
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,960/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,447
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,727
−HK$284/mo
Today · 4.125%
HK$11,011
baseline
▲ 0.50% · 4.625%
HK$11,592
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,022/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,269
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$356/mo
Today · 4.125%
HK$11,975
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,950/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,536
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,873
−HK$341/mo
Today · 4.125%
HK$13,214
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,428/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,147
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,556
−HK$415/mo
Today · 4.125%
HK$13,971
baseline
▲ 0.50% · 4.625%
HK$14,821
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,942/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,626
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,018
−HK$398/mo
Today · 4.125%
HK$15,416
baseline
▲ 0.50% · 4.625%
HK$16,229
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,832/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,903
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,429
−HK$534/mo
Today · 4.125%
HK$17,963
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$1,093/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,926/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$23,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,805
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,309
−HK$512/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$20,865
+HK$1,044/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$23,748 · 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).