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$9,382
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,674
−HK$296/mo
Today · 4.125%
HK$9,970
baseline
▲ 0.50% · 4.625%
HK$10,577
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,940/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,438
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$284/mo
Today · 4.125%
HK$11,001
baseline
▲ 0.50% · 4.625%
HK$11,581
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,002/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,259
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,609
−HK$356/mo
Today · 4.125%
HK$11,965
baseline
▲ 0.50% · 4.625%
HK$12,693
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,930/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,525
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$341/mo
Today · 4.125%
HK$13,202
baseline
▲ 0.50% · 4.625%
HK$13,898
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,404/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,135
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,544
−HK$415/mo
Today · 4.125%
HK$13,959
baseline
▲ 0.50% · 4.625%
HK$14,808
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,918/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,613
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$398/mo
Today · 4.125%
HK$15,402
baseline
▲ 0.50% · 4.625%
HK$16,214
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,804/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,888
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,413
−HK$534/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$1,092/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$23,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,788
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$512/mo
Today · 4.125%
HK$19,803
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,606/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$23,001 · 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).