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$9,364
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,655
−HK$296/mo
Today · 4.125%
HK$9,951
baseline
▲ 0.50% · 4.625%
HK$10,556
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,902/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,417
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,696
−HK$284/mo
Today · 4.125%
HK$10,980
baseline
▲ 0.50% · 4.625%
HK$11,559
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,960/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,236
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$355/mo
Today · 4.125%
HK$11,941
baseline
▲ 0.50% · 4.625%
HK$12,668
+HK$727/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,882/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,500
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,836
−HK$340/mo
Today · 4.125%
HK$13,176
baseline
▲ 0.50% · 4.625%
HK$13,870
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,352/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,109
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$414/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,779
+HK$848/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,862/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,584
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,975
−HK$397/mo
Today · 4.125%
HK$15,372
baseline
▲ 0.50% · 4.625%
HK$16,182
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,744/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,855
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$533/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$19,001
+HK$1,089/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$510/mo
Today · 4.125%
HK$19,764
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,041/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,528/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,385 · 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).