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$589/mo
▼ 0.25% · 3.875%
HK$9,678
−HK$297/mo
Today · 4.125%
HK$9,975
baseline
▲ 0.50% · 4.625%
HK$10,582
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,950/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,378 · 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$11,587
+HK$581/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$23,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,264
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,614
−HK$356/mo
Today · 4.125%
HK$11,970
baseline
▲ 0.50% · 4.625%
HK$12,698
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,940/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,531
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$341/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,416/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,141
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$415/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,815
+HK$850/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,930/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,619
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$398/mo
Today · 4.125%
HK$15,409
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,818/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,896
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,421
−HK$534/mo
Today · 4.125%
HK$17,955
baseline
▲ 0.50% · 4.625%
HK$19,048
+HK$1,093/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$35,910/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,796
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$512/mo
Today · 4.125%
HK$19,812
baseline
▲ 0.50% · 4.625%
HK$20,856
+HK$1,044/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$39,624/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,378 · 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).