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$9,395
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,688
−HK$296/mo
Today · 4.125%
HK$9,984
baseline
▲ 0.50% · 4.625%
HK$10,592
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,968/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,452
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,733
−HK$284/mo
Today · 4.125%
HK$11,017
baseline
▲ 0.50% · 4.625%
HK$11,598
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,034/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,274
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,625
−HK$356/mo
Today · 4.125%
HK$11,981
baseline
▲ 0.50% · 4.625%
HK$12,710
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,962/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,543
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,879
−HK$341/mo
Today · 4.125%
HK$13,220
baseline
▲ 0.50% · 4.625%
HK$13,917
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,440/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,153
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$415/mo
Today · 4.125%
HK$13,978
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$851/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,956/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,633
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$398/mo
Today · 4.125%
HK$15,424
baseline
▲ 0.50% · 4.625%
HK$16,237
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,848/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,912
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,438
−HK$534/mo
Today · 4.125%
HK$17,972
baseline
▲ 0.50% · 4.625%
HK$19,066
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,944/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,814
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,319
−HK$511/mo
Today · 4.125%
HK$19,830
baseline
▲ 0.50% · 4.625%
HK$20,876
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,660/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,157 · 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).