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$9,340
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,630
−HK$295/mo
Today · 4.125%
HK$9,925
baseline
▲ 0.50% · 4.625%
HK$10,529
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,850/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,390
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,669
−HK$283/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,529
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,904/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,208
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,556
−HK$354/mo
Today · 4.125%
HK$11,910
baseline
▲ 0.50% · 4.625%
HK$12,635
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,820/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,468
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,803
−HK$339/mo
Today · 4.125%
HK$13,142
baseline
▲ 0.50% · 4.625%
HK$13,835
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,284/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,076
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,482
−HK$414/mo
Today · 4.125%
HK$13,896
baseline
▲ 0.50% · 4.625%
HK$14,741
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,792/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,546
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,937
−HK$395/mo
Today · 4.125%
HK$15,332
baseline
▲ 0.50% · 4.625%
HK$16,141
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,664/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,811
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,334
−HK$532/mo
Today · 4.125%
HK$17,866
baseline
▲ 0.50% · 4.625%
HK$18,953
+HK$1,087/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,732/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,703
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,204
−HK$509/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,752
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,280 · 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).