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$9,383
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,675
−HK$296/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,578
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,942/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,439
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,718
−HK$284/mo
Today · 4.125%
HK$11,002
baseline
▲ 0.50% · 4.625%
HK$11,582
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,004/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,260
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,610
−HK$356/mo
Today · 4.125%
HK$11,966
baseline
▲ 0.50% · 4.625%
HK$12,694
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,932/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,526
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,862
−HK$341/mo
Today · 4.125%
HK$13,203
baseline
▲ 0.50% · 4.625%
HK$13,899
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,406/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,136
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,545
−HK$415/mo
Today · 4.125%
HK$13,960
baseline
▲ 0.50% · 4.625%
HK$14,809
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,920/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,614
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,006
−HK$397/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,215
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,806/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,889
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,415
−HK$534/mo
Today · 4.125%
HK$17,949
baseline
▲ 0.50% · 4.625%
HK$19,041
+HK$1,092/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,898/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,789
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,293
−HK$511/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$20,848
+HK$1,044/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,079 · 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).