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$9,381
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,673
−HK$296/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,576
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,938/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,436
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,716
−HK$284/mo
Today · 4.125%
HK$11,000
baseline
▲ 0.50% · 4.625%
HK$11,580
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,000/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,257
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,608
−HK$355/mo
Today · 4.125%
HK$11,963
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,926/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,524
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,860
−HK$340/mo
Today · 4.125%
HK$13,200
baseline
▲ 0.50% · 4.625%
HK$13,896
+HK$696/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,400/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,134
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,542
−HK$415/mo
Today · 4.125%
HK$13,957
baseline
▲ 0.50% · 4.625%
HK$14,806
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,914/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,611
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,003
−HK$397/mo
Today · 4.125%
HK$15,400
baseline
▲ 0.50% · 4.625%
HK$16,212
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,800/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,886
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$534/mo
Today · 4.125%
HK$17,945
baseline
▲ 0.50% · 4.625%
HK$19,037
+HK$1,092/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,890/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,786
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,289
−HK$511/mo
Today · 4.125%
HK$19,800
baseline
▲ 0.50% · 4.625%
HK$20,844
+HK$1,044/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,600/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,914 · 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).