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$9,396
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,689
−HK$297/mo
Today · 4.125%
HK$9,986
baseline
▲ 0.50% · 4.625%
HK$10,593
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,972/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,453
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,734
−HK$284/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,599
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,036/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$24,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,276
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,626
−HK$357/mo
Today · 4.125%
HK$11,983
baseline
▲ 0.50% · 4.625%
HK$12,712
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,966/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,544
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$342/mo
Today · 4.125%
HK$13,222
baseline
▲ 0.50% · 4.625%
HK$13,919
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,444/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,155
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,564
−HK$416/mo
Today · 4.125%
HK$13,980
baseline
▲ 0.50% · 4.625%
HK$14,830
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,960/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,635
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,027
−HK$398/mo
Today · 4.125%
HK$15,425
baseline
▲ 0.50% · 4.625%
HK$16,238
+HK$813/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,850/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,913
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,439
−HK$535/mo
Today · 4.125%
HK$17,974
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,948/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,816
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,321
−HK$511/mo
Today · 4.125%
HK$19,832
baseline
▲ 0.50% · 4.625%
HK$20,878
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,664/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$24,244 · 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).