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$9,370
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,661
−HK$296/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,563
+HK$606/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,914/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,424
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,703
−HK$284/mo
Today · 4.125%
HK$10,987
baseline
▲ 0.50% · 4.625%
HK$11,566
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,974/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$21,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,244
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,593
−HK$356/mo
Today · 4.125%
HK$11,949
baseline
▲ 0.50% · 4.625%
HK$12,676
+HK$727/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,898/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,508
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$340/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,879
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,368/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$21,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,117
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,526
−HK$414/mo
Today · 4.125%
HK$13,940
baseline
▲ 0.50% · 4.625%
HK$14,788
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,880/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,593
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$397/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,192
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,762/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,865
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,390
−HK$533/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$19,013
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,846/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,763
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$510/mo
Today · 4.125%
HK$19,776
baseline
▲ 0.50% · 4.625%
HK$20,819
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,552/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$21,905 · 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).