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$9,386
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,678
−HK$296/mo
Today · 4.125%
HK$9,974
baseline
▲ 0.50% · 4.625%
HK$10,581
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,948/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,442
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,722
−HK$284/mo
Today · 4.125%
HK$11,006
baseline
▲ 0.50% · 4.625%
HK$11,586
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,012/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,263
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$356/mo
Today · 4.125%
HK$11,969
baseline
▲ 0.50% · 4.625%
HK$12,698
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,938/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,530
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,866
−HK$341/mo
Today · 4.125%
HK$13,207
baseline
▲ 0.50% · 4.625%
HK$13,903
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,414/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,140
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,549
−HK$415/mo
Today · 4.125%
HK$13,964
baseline
▲ 0.50% · 4.625%
HK$14,814
+HK$850/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,928/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,618
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,010
−HK$398/mo
Today · 4.125%
HK$15,408
baseline
▲ 0.50% · 4.625%
HK$16,220
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,816/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,894
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,420
−HK$534/mo
Today · 4.125%
HK$17,954
baseline
▲ 0.50% · 4.625%
HK$19,046
+HK$1,092/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$35,908/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,795
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$511/mo
Today · 4.125%
HK$19,810
baseline
▲ 0.50% · 4.625%
HK$20,855
+HK$1,045/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$39,620/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,323 · 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).