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$9,374
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$296/mo
Today · 4.125%
HK$9,962
baseline
▲ 0.50% · 4.625%
HK$10,568
+HK$606/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,924/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,429
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$284/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,571
+HK$579/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$21,984/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,249
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$355/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$728/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,908/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,514
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,850
−HK$340/mo
Today · 4.125%
HK$13,190
baseline
▲ 0.50% · 4.625%
HK$13,886
+HK$696/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,380/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,124
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,532
−HK$415/mo
Today · 4.125%
HK$13,947
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,894/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,600
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,992
−HK$397/mo
Today · 4.125%
HK$15,389
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,778/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,873
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,398
−HK$533/mo
Today · 4.125%
HK$17,931
baseline
▲ 0.50% · 4.625%
HK$19,023
+HK$1,092/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,862/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,771
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$511/mo
Today · 4.125%
HK$19,786
baseline
▲ 0.50% · 4.625%
HK$20,828
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,572/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,294 · 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).