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$9,390
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$297/mo
Today · 4.125%
HK$9,979
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,958/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,446
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,726
−HK$284/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,591
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,020/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,268
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,618
−HK$356/mo
Today · 4.125%
HK$11,974
baseline
▲ 0.50% · 4.625%
HK$12,703
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,948/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,535
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,871
−HK$342/mo
Today · 4.125%
HK$13,213
baseline
▲ 0.50% · 4.625%
HK$13,909
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,426/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,146
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,555
−HK$415/mo
Today · 4.125%
HK$13,970
baseline
▲ 0.50% · 4.625%
HK$14,820
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,940/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,625
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,017
−HK$398/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,227
+HK$812/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,902
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,427
−HK$535/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$1,092/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,924/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,803
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,307
−HK$512/mo
Today · 4.125%
HK$19,819
baseline
▲ 0.50% · 4.625%
HK$20,863
+HK$1,044/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,638/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,677 · 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).