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$9,376
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,668
−HK$296/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,570
+HK$606/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,928/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,431
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$284/mo
Today · 4.125%
HK$10,994
baseline
▲ 0.50% · 4.625%
HK$11,574
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,988/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,251
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,601
−HK$356/mo
Today · 4.125%
HK$11,957
baseline
▲ 0.50% · 4.625%
HK$12,684
+HK$727/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,914/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,517
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,852
−HK$341/mo
Today · 4.125%
HK$13,193
baseline
▲ 0.50% · 4.625%
HK$13,888
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,386/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,126
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,535
−HK$414/mo
Today · 4.125%
HK$13,949
baseline
▲ 0.50% · 4.625%
HK$14,798
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,898/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,603
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,994
−HK$398/mo
Today · 4.125%
HK$15,392
baseline
▲ 0.50% · 4.625%
HK$16,203
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,784/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,877
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$533/mo
Today · 4.125%
HK$17,935
baseline
▲ 0.50% · 4.625%
HK$19,026
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,870/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,775
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,279
−HK$510/mo
Today · 4.125%
HK$19,789
baseline
▲ 0.50% · 4.625%
HK$20,833
+HK$1,044/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,578/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$22,454 · 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).