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$588/mo
▼ 0.25% · 3.875%
HK$9,680
−HK$296/mo
Today · 4.125%
HK$9,976
baseline
▲ 0.50% · 4.625%
HK$10,583
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,952/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,444
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,724
−HK$284/mo
Today · 4.125%
HK$11,008
baseline
▲ 0.50% · 4.625%
HK$11,588
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,016/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,265
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,615
−HK$356/mo
Today · 4.125%
HK$11,971
baseline
▲ 0.50% · 4.625%
HK$12,700
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,942/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,532
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,868
−HK$341/mo
Today · 4.125%
HK$13,209
baseline
▲ 0.50% · 4.625%
HK$13,906
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,418/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,143
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,551
−HK$416/mo
Today · 4.125%
HK$13,967
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,934/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,621
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,013
−HK$398/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,223
+HK$812/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,822/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,898
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$534/mo
Today · 4.125%
HK$17,957
baseline
▲ 0.50% · 4.625%
HK$19,050
+HK$1,093/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,914/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,798
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$512/mo
Today · 4.125%
HK$19,814
baseline
▲ 0.50% · 4.625%
HK$20,858
+HK$1,044/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,628/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,474 · 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).