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$9,331
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,622
−HK$294/mo
Today · 4.125%
HK$9,916
baseline
▲ 0.50% · 4.625%
HK$10,520
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,832/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,381
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$283/mo
Today · 4.125%
HK$10,942
baseline
▲ 0.50% · 4.625%
HK$11,519
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,884/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,198
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,546
−HK$354/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,624
+HK$724/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,800/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,457
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$339/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,822
+HK$692/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,260/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,064
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$413/mo
Today · 4.125%
HK$13,883
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$845/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,766/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,533
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$396/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,126
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,796
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$531/mo
Today · 4.125%
HK$17,850
baseline
▲ 0.50% · 4.625%
HK$18,936
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,700/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,686
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$508/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,734
+HK$1,039/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,547 · 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).