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$9,378
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,670
−HK$296/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,572
+HK$606/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,932/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,433
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,713
−HK$284/mo
Today · 4.125%
HK$10,997
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$579/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,994/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,254
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,604
−HK$355/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,687
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,918/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,519
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,855
−HK$341/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,891
+HK$695/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,392/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,129
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,538
−HK$414/mo
Today · 4.125%
HK$13,952
baseline
▲ 0.50% · 4.625%
HK$14,801
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,904/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,606
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,998
−HK$397/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,207
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,790/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,880
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$534/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,878/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,779
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,283
−HK$511/mo
Today · 4.125%
HK$19,794
baseline
▲ 0.50% · 4.625%
HK$20,837
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,588/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,635 · 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).