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$23,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,445
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$284/mo
Today · 4.125%
HK$11,009
baseline
▲ 0.50% · 4.625%
HK$11,589
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,018/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,266
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,617
−HK$356/mo
Today · 4.125%
HK$11,973
baseline
▲ 0.50% · 4.625%
HK$12,701
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,946/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,533
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$341/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$13,907
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,422/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,144
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,553
−HK$415/mo
Today · 4.125%
HK$13,968
baseline
▲ 0.50% · 4.625%
HK$14,818
+HK$850/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$23,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,622
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,015
−HK$397/mo
Today · 4.125%
HK$15,412
baseline
▲ 0.50% · 4.625%
HK$16,225
+HK$813/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$23,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$534/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$19,052
+HK$1,093/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,800
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,304
−HK$512/mo
Today · 4.125%
HK$19,816
baseline
▲ 0.50% · 4.625%
HK$20,860
+HK$1,044/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,632/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,554 · 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).