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$9,370
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,662
−HK$296/mo
Today · 4.125%
HK$9,958
baseline
▲ 0.50% · 4.625%
HK$10,564
+HK$606/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,916/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,424
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,704
−HK$284/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,567
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,976/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,244
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$356/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,677
+HK$727/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,900/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,509
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,845
−HK$340/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,880
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,370/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,119
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$414/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,882/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,594
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$397/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,766/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,867
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$533/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$19,015
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,764
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$511/mo
Today · 4.125%
HK$19,778
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,556/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,973 · 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).