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$9,372
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$296/mo
Today · 4.125%
HK$9,960
baseline
▲ 0.50% · 4.625%
HK$10,566
+HK$606/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,920/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,427
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$284/mo
Today · 4.125%
HK$10,990
baseline
▲ 0.50% · 4.625%
HK$11,569
+HK$579/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,980/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,247
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,597
−HK$355/mo
Today · 4.125%
HK$11,952
baseline
▲ 0.50% · 4.625%
HK$12,680
+HK$728/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,904/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,512
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,848
−HK$340/mo
Today · 4.125%
HK$13,188
baseline
▲ 0.50% · 4.625%
HK$13,883
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,376/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,121
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,530
−HK$414/mo
Today · 4.125%
HK$13,944
baseline
▲ 0.50% · 4.625%
HK$14,793
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,888/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,598
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$397/mo
Today · 4.125%
HK$15,386
baseline
▲ 0.50% · 4.625%
HK$16,197
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,772/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,870
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$533/mo
Today · 4.125%
HK$17,928
baseline
▲ 0.50% · 4.625%
HK$19,019
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,856/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,768
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$510/mo
Today · 4.125%
HK$19,782
baseline
▲ 0.50% · 4.625%
HK$20,825
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,564/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,157 · 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).