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$9,369
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,660
−HK$296/mo
Today · 4.125%
HK$9,956
baseline
▲ 0.50% · 4.625%
HK$10,562
+HK$606/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,912/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,422
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$284/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,565
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,972/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,242
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$355/mo
Today · 4.125%
HK$11,947
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$727/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,894/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,507
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$341/mo
Today · 4.125%
HK$13,183
baseline
▲ 0.50% · 4.625%
HK$13,878
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,366/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,116
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$414/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,787
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,876/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,591
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$397/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$810/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,863
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,388
−HK$533/mo
Today · 4.125%
HK$17,921
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,842/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,760
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,264
−HK$510/mo
Today · 4.125%
HK$19,774
baseline
▲ 0.50% · 4.625%
HK$20,816
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,548/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,812 · 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).