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$9,374
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,665
−HK$296/mo
Today · 4.125%
HK$9,961
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$606/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,922/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,428
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$283/mo
Today · 4.125%
HK$10,991
baseline
▲ 0.50% · 4.625%
HK$11,571
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,982/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,248
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,598
−HK$356/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,681
+HK$727/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,908/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,514
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,849
−HK$341/mo
Today · 4.125%
HK$13,190
baseline
▲ 0.50% · 4.625%
HK$13,885
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,380/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,123
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,531
−HK$415/mo
Today · 4.125%
HK$13,946
baseline
▲ 0.50% · 4.625%
HK$14,794
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,892/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,599
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,991
−HK$397/mo
Today · 4.125%
HK$15,388
baseline
▲ 0.50% · 4.625%
HK$16,199
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,776/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,872
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,397
−HK$533/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$19,021
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,770
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,274
−HK$510/mo
Today · 4.125%
HK$19,784
baseline
▲ 0.50% · 4.625%
HK$20,827
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,568/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,250 · 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).