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$9,384
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,676
−HK$296/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,579
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,944/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,440
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$284/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,584
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,008/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,261
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$356/mo
Today · 4.125%
HK$11,967
baseline
▲ 0.50% · 4.625%
HK$12,695
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,934/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,527
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$341/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$13,900
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,408/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,137
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,546
−HK$415/mo
Today · 4.125%
HK$13,961
baseline
▲ 0.50% · 4.625%
HK$14,811
+HK$850/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,922/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,615
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$398/mo
Today · 4.125%
HK$15,405
baseline
▲ 0.50% · 4.625%
HK$16,217
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,810/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,891
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,416
−HK$534/mo
Today · 4.125%
HK$17,950
baseline
▲ 0.50% · 4.625%
HK$19,043
+HK$1,093/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$35,900/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$511/mo
Today · 4.125%
HK$19,806
baseline
▲ 0.50% · 4.625%
HK$20,850
+HK$1,044/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$39,612/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,159 · 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).