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$9,687
−HK$296/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,591
+HK$608/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$24,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,451
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,731
−HK$285/mo
Today · 4.125%
HK$11,016
baseline
▲ 0.50% · 4.625%
HK$11,596
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,032/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,273
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,624
−HK$356/mo
Today · 4.125%
HK$11,980
baseline
▲ 0.50% · 4.625%
HK$12,709
+HK$729/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$24,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,541
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$341/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$13,916
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,438/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,152
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,561
−HK$416/mo
Today · 4.125%
HK$13,977
baseline
▲ 0.50% · 4.625%
HK$14,827
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,954/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,632
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,024
−HK$398/mo
Today · 4.125%
HK$15,422
baseline
▲ 0.50% · 4.625%
HK$16,235
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,844/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,910
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,436
−HK$534/mo
Today · 4.125%
HK$17,970
baseline
▲ 0.50% · 4.625%
HK$19,064
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,940/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,812
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$512/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$20,873
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,071 · 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).