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$9,352
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,643
−HK$296/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,544
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,878/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,405
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$283/mo
Today · 4.125%
HK$10,967
baseline
▲ 0.50% · 4.625%
HK$11,545
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,934/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,223
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$355/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,652
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,854/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,485
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$340/mo
Today · 4.125%
HK$13,160
baseline
▲ 0.50% · 4.625%
HK$13,854
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,320/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,093
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$414/mo
Today · 4.125%
HK$13,915
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,830/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,566
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,957
−HK$396/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,834
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,358
−HK$532/mo
Today · 4.125%
HK$17,890
baseline
▲ 0.50% · 4.625%
HK$18,979
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,780/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,728
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$510/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,781
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,402 · 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).