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$9,379
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,671
−HK$297/mo
Today · 4.125%
HK$9,968
baseline
▲ 0.50% · 4.625%
HK$10,574
+HK$606/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,936/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,435
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,714
−HK$284/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,578
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,996/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,255
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,605
−HK$356/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,689
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,922/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,521
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,857
−HK$341/mo
Today · 4.125%
HK$13,198
baseline
▲ 0.50% · 4.625%
HK$13,894
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,396/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,131
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$415/mo
Today · 4.125%
HK$13,955
baseline
▲ 0.50% · 4.625%
HK$14,804
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,910/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,608
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,000
−HK$398/mo
Today · 4.125%
HK$15,398
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,796/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$534/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$19,033
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,782
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,286
−HK$511/mo
Today · 4.125%
HK$19,797
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,594/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,763 · 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).