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$9,327
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$295/mo
Today · 4.125%
HK$9,912
baseline
▲ 0.50% · 4.625%
HK$10,515
+HK$603/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,824/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,377
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,655
−HK$282/mo
Today · 4.125%
HK$10,937
baseline
▲ 0.50% · 4.625%
HK$11,514
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,874/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,193
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,541
−HK$354/mo
Today · 4.125%
HK$11,895
baseline
▲ 0.50% · 4.625%
HK$12,618
+HK$723/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,790/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$18,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,452
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,786
−HK$339/mo
Today · 4.125%
HK$13,125
baseline
▲ 0.50% · 4.625%
HK$13,816
+HK$691/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,250/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$18,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,058
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$413/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,754/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,527
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$395/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,119
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,624/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,789
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$531/mo
Today · 4.125%
HK$17,842
baseline
▲ 0.50% · 4.625%
HK$18,928
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,684/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$18,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,678
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$508/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,725
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$18,192 · 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).