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$9,362
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,653
−HK$296/mo
Today · 4.125%
HK$9,949
baseline
▲ 0.50% · 4.625%
HK$10,554
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,898/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,415
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,694
−HK$284/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,556
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,956/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,234
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$355/mo
Today · 4.125%
HK$11,939
baseline
▲ 0.50% · 4.625%
HK$12,665
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,878/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,498
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,833
−HK$340/mo
Today · 4.125%
HK$13,173
baseline
▲ 0.50% · 4.625%
HK$13,867
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,346/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,106
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,514
−HK$414/mo
Today · 4.125%
HK$13,928
baseline
▲ 0.50% · 4.625%
HK$14,776
+HK$848/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,856/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,581
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,972
−HK$397/mo
Today · 4.125%
HK$15,369
baseline
▲ 0.50% · 4.625%
HK$16,179
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,738/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,851
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,375
−HK$533/mo
Today · 4.125%
HK$17,908
baseline
▲ 0.50% · 4.625%
HK$18,998
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,816/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,747
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,250
−HK$510/mo
Today · 4.125%
HK$19,760
baseline
▲ 0.50% · 4.625%
HK$20,801
+HK$1,041/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,520/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,216 · 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).