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$9,390
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$297/mo
Today · 4.125%
HK$9,979
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,958/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,446
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,727
−HK$284/mo
Today · 4.125%
HK$11,011
baseline
▲ 0.50% · 4.625%
HK$11,591
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,022/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,268
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$356/mo
Today · 4.125%
HK$11,975
baseline
▲ 0.50% · 4.625%
HK$12,703
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,950/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,536
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,872
−HK$341/mo
Today · 4.125%
HK$13,213
baseline
▲ 0.50% · 4.625%
HK$13,909
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,426/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,146
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,555
−HK$416/mo
Today · 4.125%
HK$13,971
baseline
▲ 0.50% · 4.625%
HK$14,821
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,942/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,625
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,017
−HK$398/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,228
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,902
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,428
−HK$534/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$19,055
+HK$1,093/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,924/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$23,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,804
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,308
−HK$511/mo
Today · 4.125%
HK$19,819
baseline
▲ 0.50% · 4.625%
HK$20,864
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,638/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$23,704 · 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).