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$9,375
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$297/mo
Today · 4.125%
HK$9,963
baseline
▲ 0.50% · 4.625%
HK$10,569
+HK$606/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,926/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,429
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,709
−HK$284/mo
Today · 4.125%
HK$10,993
baseline
▲ 0.50% · 4.625%
HK$11,572
+HK$579/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,986/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,250
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,600
−HK$355/mo
Today · 4.125%
HK$11,955
baseline
▲ 0.50% · 4.625%
HK$12,683
+HK$728/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,910/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,515
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,851
−HK$340/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,887
+HK$696/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,125
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,533
−HK$415/mo
Today · 4.125%
HK$13,948
baseline
▲ 0.50% · 4.625%
HK$14,796
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,896/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,601
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,993
−HK$397/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,201
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,780/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,875
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,399
−HK$534/mo
Today · 4.125%
HK$17,933
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,866/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,773
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,276
−HK$511/mo
Today · 4.125%
HK$19,787
baseline
▲ 0.50% · 4.625%
HK$20,830
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,574/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,355 · 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).