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$9,363
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,655
−HK$295/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,556
+HK$606/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,900/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,417
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,696
−HK$283/mo
Today · 4.125%
HK$10,979
baseline
▲ 0.50% · 4.625%
HK$11,558
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,958/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,236
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,585
−HK$356/mo
Today · 4.125%
HK$11,941
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$726/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$21,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,500
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$340/mo
Today · 4.125%
HK$13,175
baseline
▲ 0.50% · 4.625%
HK$13,870
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,350/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,109
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,516
−HK$415/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,778
+HK$847/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$21,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,583
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,974
−HK$397/mo
Today · 4.125%
HK$15,371
baseline
▲ 0.50% · 4.625%
HK$16,181
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,742/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,854
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,378
−HK$533/mo
Today · 4.125%
HK$17,911
baseline
▲ 0.50% · 4.625%
HK$19,001
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,822/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,750
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$510/mo
Today · 4.125%
HK$19,763
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,526/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,350 · 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).