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$9,362
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$296/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$605/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$21,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,416
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$283/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,956/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,235
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$355/mo
Today · 4.125%
HK$11,939
baseline
▲ 0.50% · 4.625%
HK$12,666
+HK$727/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,878/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,499
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$340/mo
Today · 4.125%
HK$13,174
baseline
▲ 0.50% · 4.625%
HK$13,868
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,348/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,107
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,515
−HK$414/mo
Today · 4.125%
HK$13,929
baseline
▲ 0.50% · 4.625%
HK$14,777
+HK$848/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,858/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,582
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$397/mo
Today · 4.125%
HK$15,370
baseline
▲ 0.50% · 4.625%
HK$16,180
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,740/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,852
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,377
−HK$532/mo
Today · 4.125%
HK$17,909
baseline
▲ 0.50% · 4.625%
HK$18,999
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,818/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,748
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,251
−HK$510/mo
Today · 4.125%
HK$19,761
baseline
▲ 0.50% · 4.625%
HK$20,803
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,522/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,278 · 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).