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$9,366
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$296/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,559
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,908/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,420
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,699
−HK$284/mo
Today · 4.125%
HK$10,983
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,966/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,240
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$355/mo
Today · 4.125%
HK$11,944
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$727/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,888/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,504
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,839
−HK$340/mo
Today · 4.125%
HK$13,179
baseline
▲ 0.50% · 4.625%
HK$13,874
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,358/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,113
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$414/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,870/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,588
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,979
−HK$397/mo
Today · 4.125%
HK$15,376
baseline
▲ 0.50% · 4.625%
HK$16,186
+HK$810/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,752/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,859
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$533/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,756
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$510/mo
Today · 4.125%
HK$19,769
baseline
▲ 0.50% · 4.625%
HK$20,811
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,538/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,610 · 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).