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$9,376
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,668
−HK$296/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,571
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,928/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,431
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,711
−HK$284/mo
Today · 4.125%
HK$10,995
baseline
▲ 0.50% · 4.625%
HK$11,574
+HK$579/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,990/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,252
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,602
−HK$355/mo
Today · 4.125%
HK$11,957
baseline
▲ 0.50% · 4.625%
HK$12,685
+HK$728/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,914/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,517
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,853
−HK$341/mo
Today · 4.125%
HK$13,194
baseline
▲ 0.50% · 4.625%
HK$13,889
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,388/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,127
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,535
−HK$415/mo
Today · 4.125%
HK$13,950
baseline
▲ 0.50% · 4.625%
HK$14,799
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,900/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,604
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,995
−HK$398/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,204
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,786/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,877
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$534/mo
Today · 4.125%
HK$17,936
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,872/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,280
−HK$510/mo
Today · 4.125%
HK$19,790
baseline
▲ 0.50% · 4.625%
HK$20,834
+HK$1,044/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,580/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,494 · 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).