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$9,376
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,667
−HK$296/mo
Today · 4.125%
HK$9,963
baseline
▲ 0.50% · 4.625%
HK$10,570
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,926/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,430
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$284/mo
Today · 4.125%
HK$10,994
baseline
▲ 0.50% · 4.625%
HK$11,573
+HK$579/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,988/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,251
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,601
−HK$355/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,684
+HK$728/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,912/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,516
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,852
−HK$340/mo
Today · 4.125%
HK$13,192
baseline
▲ 0.50% · 4.625%
HK$13,888
+HK$696/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,384/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,126
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,534
−HK$415/mo
Today · 4.125%
HK$13,949
baseline
▲ 0.50% · 4.625%
HK$14,798
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,898/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,602
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,994
−HK$397/mo
Today · 4.125%
HK$15,391
baseline
▲ 0.50% · 4.625%
HK$16,203
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,782/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,876
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,401
−HK$533/mo
Today · 4.125%
HK$17,934
baseline
▲ 0.50% · 4.625%
HK$19,026
+HK$1,092/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,868/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,774
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$511/mo
Today · 4.125%
HK$19,789
baseline
▲ 0.50% · 4.625%
HK$20,832
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,578/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,426 · 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).