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$9,380
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,672
−HK$297/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,575
+HK$606/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,938/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,436
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,716
−HK$283/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,579
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,998/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,257
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,607
−HK$355/mo
Today · 4.125%
HK$11,962
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,924/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,523
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,859
−HK$340/mo
Today · 4.125%
HK$13,199
baseline
▲ 0.50% · 4.625%
HK$13,895
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,398/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,133
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,541
−HK$415/mo
Today · 4.125%
HK$13,956
baseline
▲ 0.50% · 4.625%
HK$14,805
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,912/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,610
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,002
−HK$397/mo
Today · 4.125%
HK$15,399
baseline
▲ 0.50% · 4.625%
HK$16,211
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,798/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,885
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,410
−HK$534/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$19,036
+HK$1,092/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,888/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,784
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$511/mo
Today · 4.125%
HK$19,799
baseline
▲ 0.50% · 4.625%
HK$20,843
+HK$1,044/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,598/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,856 · 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).