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$9,387
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,679
−HK$297/mo
Today · 4.125%
HK$9,976
baseline
▲ 0.50% · 4.625%
HK$10,583
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,952/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,443
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,723
−HK$284/mo
Today · 4.125%
HK$11,007
baseline
▲ 0.50% · 4.625%
HK$11,587
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,014/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,264
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,615
−HK$356/mo
Today · 4.125%
HK$11,971
baseline
▲ 0.50% · 4.625%
HK$12,699
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,942/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,531
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$341/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$13,905
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,416/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,142
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$416/mo
Today · 4.125%
HK$13,966
baseline
▲ 0.50% · 4.625%
HK$14,816
+HK$850/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,932/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,620
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,012
−HK$398/mo
Today · 4.125%
HK$15,410
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,820/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,896
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,422
−HK$534/mo
Today · 4.125%
HK$17,956
baseline
▲ 0.50% · 4.625%
HK$19,049
+HK$1,093/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$35,912/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,797
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,301
−HK$512/mo
Today · 4.125%
HK$19,813
baseline
▲ 0.50% · 4.625%
HK$20,857
+HK$1,044/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$39,626/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,419 · 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).