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$9,361
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,652
−HK$296/mo
Today · 4.125%
HK$9,948
baseline
▲ 0.50% · 4.625%
HK$10,553
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,896/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,414
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,693
−HK$284/mo
Today · 4.125%
HK$10,977
baseline
▲ 0.50% · 4.625%
HK$11,555
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,954/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,233
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$355/mo
Today · 4.125%
HK$11,938
baseline
▲ 0.50% · 4.625%
HK$12,664
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,876/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,497
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$340/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,867
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,344/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,106
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$414/mo
Today · 4.125%
HK$13,927
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$848/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,854/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,580
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,971
−HK$397/mo
Today · 4.125%
HK$15,368
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,736/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,850
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$533/mo
Today · 4.125%
HK$17,907
baseline
▲ 0.50% · 4.625%
HK$18,996
+HK$1,089/mo
Deposit HK$411K · loan HK$3.69M · min. income ≈ HK$35,814/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,746
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,248
−HK$510/mo
Today · 4.125%
HK$19,758
baseline
▲ 0.50% · 4.625%
HK$20,800
+HK$1,042/mo
Deposit HK$411K · loan HK$3.69M · min. income ≈ HK$39,516/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,161 · 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).