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$9,358
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$295/mo
Today · 4.125%
HK$9,945
baseline
▲ 0.50% · 4.625%
HK$10,550
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,890/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,411
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,690
−HK$284/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,552
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,948/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,230
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$355/mo
Today · 4.125%
HK$11,934
baseline
▲ 0.50% · 4.625%
HK$12,661
+HK$727/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,868/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,493
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,829
−HK$339/mo
Today · 4.125%
HK$13,168
baseline
▲ 0.50% · 4.625%
HK$13,863
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,336/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,102
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$414/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,771
+HK$848/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,846/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,576
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,967
−HK$396/mo
Today · 4.125%
HK$15,363
baseline
▲ 0.50% · 4.625%
HK$16,173
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,726/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,845
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,369
−HK$533/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,243
−HK$510/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,926 · 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).