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$9,365
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,656
−HK$296/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,558
+HK$606/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,904/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,418
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$283/mo
Today · 4.125%
HK$10,981
baseline
▲ 0.50% · 4.625%
HK$11,560
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,962/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,238
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,587
−HK$355/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,669
+HK$727/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,884/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,502
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$340/mo
Today · 4.125%
HK$13,177
baseline
▲ 0.50% · 4.625%
HK$13,872
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,354/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,111
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,518
−HK$415/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,781
+HK$848/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,866/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,585
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$396/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$811/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,746/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,857
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,381
−HK$533/mo
Today · 4.125%
HK$17,914
baseline
▲ 0.50% · 4.625%
HK$19,004
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,828/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,753
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,256
−HK$510/mo
Today · 4.125%
HK$19,766
baseline
▲ 0.50% · 4.625%
HK$20,808
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,532/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,478 · 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).