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$9,397
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,690
−HK$297/mo
Today · 4.125%
HK$9,987
baseline
▲ 0.50% · 4.625%
HK$10,594
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,974/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,455
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$284/mo
Today · 4.125%
HK$11,019
baseline
▲ 0.50% · 4.625%
HK$11,600
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,038/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,277
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$356/mo
Today · 4.125%
HK$11,984
baseline
▲ 0.50% · 4.625%
HK$12,713
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,968/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,545
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,882
−HK$341/mo
Today · 4.125%
HK$13,223
baseline
▲ 0.50% · 4.625%
HK$13,920
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,446/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,156
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,566
−HK$415/mo
Today · 4.125%
HK$13,981
baseline
▲ 0.50% · 4.625%
HK$14,832
+HK$851/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,962/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,636
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$398/mo
Today · 4.125%
HK$15,427
baseline
▲ 0.50% · 4.625%
HK$16,240
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,854/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,915
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,442
−HK$534/mo
Today · 4.125%
HK$17,976
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,952/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,818
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$512/mo
Today · 4.125%
HK$19,835
baseline
▲ 0.50% · 4.625%
HK$20,880
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,670/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,345 · 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).