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$9,394
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,686
−HK$297/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,590
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,966/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,451
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,731
−HK$284/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,596
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,030/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,273
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,623
−HK$357/mo
Today · 4.125%
HK$11,980
baseline
▲ 0.50% · 4.625%
HK$12,708
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,960/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,541
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,877
−HK$341/mo
Today · 4.125%
HK$13,218
baseline
▲ 0.50% · 4.625%
HK$13,915
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,436/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,151
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,560
−HK$416/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,827
+HK$851/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,952/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,631
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$398/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,842/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,909
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$534/mo
Today · 4.125%
HK$17,969
baseline
▲ 0.50% · 4.625%
HK$19,063
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,938/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,811
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$511/mo
Today · 4.125%
HK$19,827
baseline
▲ 0.50% · 4.625%
HK$20,872
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,654/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,030 · 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).