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$9,389
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$297/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,585
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,956/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,445
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$285/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$580/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$23,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,267
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,617
−HK$356/mo
Today · 4.125%
HK$11,973
baseline
▲ 0.50% · 4.625%
HK$12,702
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,946/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,534
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$341/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$13,908
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,422/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,145
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,554
−HK$415/mo
Today · 4.125%
HK$13,969
baseline
▲ 0.50% · 4.625%
HK$14,819
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,938/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,623
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,015
−HK$398/mo
Today · 4.125%
HK$15,413
baseline
▲ 0.50% · 4.625%
HK$16,226
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,826/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,900
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,426
−HK$534/mo
Today · 4.125%
HK$17,960
baseline
▲ 0.50% · 4.625%
HK$19,053
+HK$1,093/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,920/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,801
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,306
−HK$511/mo
Today · 4.125%
HK$19,817
baseline
▲ 0.50% · 4.625%
HK$20,862
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,634/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,608 · 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).