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$9,371
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,662
−HK$297/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,565
+HK$606/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,918/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,425
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,705
−HK$283/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$580/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,976/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,245
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,595
−HK$355/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,678
+HK$728/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,900/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,510
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,846
−HK$340/mo
Today · 4.125%
HK$13,186
baseline
▲ 0.50% · 4.625%
HK$13,881
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,372/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,119
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$415/mo
Today · 4.125%
HK$13,942
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,884/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$22,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,595
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,987
−HK$397/mo
Today · 4.125%
HK$15,384
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,768/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$22,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,868
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,392
−HK$534/mo
Today · 4.125%
HK$17,926
baseline
▲ 0.50% · 4.625%
HK$19,016
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,852/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,765
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,269
−HK$510/mo
Today · 4.125%
HK$19,779
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,558/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,026 · 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).