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$588/mo
▼ 0.25% · 3.875%
HK$9,660
−HK$296/mo
Today · 4.125%
HK$9,956
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,912/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,422
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$283/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$21,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,242
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$355/mo
Today · 4.125%
HK$11,947
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$727/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,894/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,506
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$340/mo
Today · 4.125%
HK$13,182
baseline
▲ 0.50% · 4.625%
HK$13,877
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,364/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,115
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$415/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,786
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,876/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,591
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$397/mo
Today · 4.125%
HK$15,379
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,758/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,863
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$533/mo
Today · 4.125%
HK$17,920
baseline
▲ 0.50% · 4.625%
HK$19,011
+HK$1,091/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,840/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,760
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$510/mo
Today · 4.125%
HK$19,773
baseline
▲ 0.50% · 4.625%
HK$20,815
+HK$1,042/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,546/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,780 · 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).