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$9,344
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,635
−HK$295/mo
Today · 4.125%
HK$9,930
baseline
▲ 0.50% · 4.625%
HK$10,534
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,860/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,395
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$283/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,535
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,914/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,213
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,562
−HK$354/mo
Today · 4.125%
HK$11,916
baseline
▲ 0.50% · 4.625%
HK$12,641
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,832/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,474
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,809
−HK$339/mo
Today · 4.125%
HK$13,148
baseline
▲ 0.50% · 4.625%
HK$13,841
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,296/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,082
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,489
−HK$413/mo
Today · 4.125%
HK$13,902
baseline
▲ 0.50% · 4.625%
HK$14,748
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,804/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,554
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,944
−HK$396/mo
Today · 4.125%
HK$15,340
baseline
▲ 0.50% · 4.625%
HK$16,148
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,680/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,820
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$531/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,962
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,214
−HK$509/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,762
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,680 · 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).