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$9,368
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$296/mo
Today · 4.125%
HK$9,955
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$606/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,910/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,422
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,701
−HK$284/mo
Today · 4.125%
HK$10,985
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,970/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,241
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,591
−HK$355/mo
Today · 4.125%
HK$11,946
baseline
▲ 0.50% · 4.625%
HK$12,673
+HK$727/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,892/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,506
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,841
−HK$340/mo
Today · 4.125%
HK$13,181
baseline
▲ 0.50% · 4.625%
HK$13,876
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,362/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,115
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$414/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,590
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$397/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$533/mo
Today · 4.125%
HK$17,919
baseline
▲ 0.50% · 4.625%
HK$19,010
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,838/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,759
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,262
−HK$510/mo
Today · 4.125%
HK$19,772
baseline
▲ 0.50% · 4.625%
HK$20,814
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,544/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,740 · 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).