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$9,367
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$296/mo
Today · 4.125%
HK$9,955
baseline
▲ 0.50% · 4.625%
HK$10,560
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,910/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,421
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,700
−HK$284/mo
Today · 4.125%
HK$10,984
baseline
▲ 0.50% · 4.625%
HK$11,563
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,968/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,241
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,590
−HK$356/mo
Today · 4.125%
HK$11,946
baseline
▲ 0.50% · 4.625%
HK$12,672
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,892/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,505
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,841
−HK$340/mo
Today · 4.125%
HK$13,181
baseline
▲ 0.50% · 4.625%
HK$13,876
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,362/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,114
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,522
−HK$414/mo
Today · 4.125%
HK$13,936
baseline
▲ 0.50% · 4.625%
HK$14,784
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,872/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,589
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$397/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,188
+HK$810/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,861
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,385
−HK$533/mo
Today · 4.125%
HK$17,918
baseline
▲ 0.50% · 4.625%
HK$19,009
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,836/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,758
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$510/mo
Today · 4.125%
HK$19,771
baseline
▲ 0.50% · 4.625%
HK$20,813
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,542/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,694 · 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).