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$9,392
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,684
−HK$297/mo
Today · 4.125%
HK$9,981
baseline
▲ 0.50% · 4.625%
HK$10,589
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,962/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,449
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$284/mo
Today · 4.125%
HK$11,013
baseline
▲ 0.50% · 4.625%
HK$11,594
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,026/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,271
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,621
−HK$356/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,954/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,539
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,875
−HK$341/mo
Today · 4.125%
HK$13,216
baseline
▲ 0.50% · 4.625%
HK$13,913
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,432/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,149
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,558
−HK$416/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$850/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,628
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$398/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,231
+HK$812/mo
Deposit HK$1.24M · loan HK$2.88M · min. income ≈ HK$30,838/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,906
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$534/mo
Today · 4.125%
HK$17,966
baseline
▲ 0.50% · 4.625%
HK$19,059
+HK$1,093/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,932/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$23,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,312
−HK$512/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$20,869
+HK$1,045/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$23,891 · 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).