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$9,377
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,669
−HK$296/mo
Today · 4.125%
HK$9,965
baseline
▲ 0.50% · 4.625%
HK$10,572
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,930/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,432
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,712
−HK$284/mo
Today · 4.125%
HK$10,996
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,992/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,253
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,603
−HK$356/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$727/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,918/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,519
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,854
−HK$341/mo
Today · 4.125%
HK$13,195
baseline
▲ 0.50% · 4.625%
HK$13,891
+HK$696/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,390/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,128
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,537
−HK$415/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$22,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,605
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,997
−HK$397/mo
Today · 4.125%
HK$15,394
baseline
▲ 0.50% · 4.625%
HK$16,206
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,788/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,879
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,404
−HK$534/mo
Today · 4.125%
HK$17,938
baseline
▲ 0.50% · 4.625%
HK$19,029
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,876/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,778
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,282
−HK$511/mo
Today · 4.125%
HK$19,793
baseline
▲ 0.50% · 4.625%
HK$20,836
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,586/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,588 · 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).