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$9,332
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,622
−HK$295/mo
Today · 4.125%
HK$9,917
baseline
▲ 0.50% · 4.625%
HK$10,521
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,834/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,382
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,660
−HK$283/mo
Today · 4.125%
HK$10,943
baseline
▲ 0.50% · 4.625%
HK$11,520
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,886/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,199
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$354/mo
Today · 4.125%
HK$11,901
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$724/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,802/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,458
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$339/mo
Today · 4.125%
HK$13,131
baseline
▲ 0.50% · 4.625%
HK$13,824
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,262/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,065
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,471
−HK$413/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,729
+HK$845/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,768/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,535
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$396/mo
Today · 4.125%
HK$15,320
baseline
▲ 0.50% · 4.625%
HK$16,127
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,640/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,798
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,320
−HK$531/mo
Today · 4.125%
HK$17,851
baseline
▲ 0.50% · 4.625%
HK$18,937
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,702/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,687
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,189
−HK$508/mo
Today · 4.125%
HK$19,697
baseline
▲ 0.50% · 4.625%
HK$20,735
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,394/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,614 · 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).