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$9,388
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,680
−HK$297/mo
Today · 4.125%
HK$9,977
baseline
▲ 0.50% · 4.625%
HK$10,584
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,954/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,444
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,724
−HK$284/mo
Today · 4.125%
HK$11,008
baseline
▲ 0.50% · 4.625%
HK$11,589
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,016/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,266
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$356/mo
Today · 4.125%
HK$11,972
baseline
▲ 0.50% · 4.625%
HK$12,701
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,944/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,533
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$341/mo
Today · 4.125%
HK$13,210
baseline
▲ 0.50% · 4.625%
HK$13,906
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,420/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,143
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$416/mo
Today · 4.125%
HK$13,968
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$849/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,936/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,622
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,014
−HK$398/mo
Today · 4.125%
HK$15,412
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$812/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,824/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,424
−HK$534/mo
Today · 4.125%
HK$17,958
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$1,093/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,916/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,799
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,304
−HK$511/mo
Today · 4.125%
HK$19,815
baseline
▲ 0.50% · 4.625%
HK$20,860
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,630/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,525 · 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).