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$9,335
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$295/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,524
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,840/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,385
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,663
−HK$283/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,523
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,892/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,202
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,550
−HK$354/mo
Today · 4.125%
HK$11,904
baseline
▲ 0.50% · 4.625%
HK$12,629
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,808/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,462
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,796
−HK$339/mo
Today · 4.125%
HK$13,135
baseline
▲ 0.50% · 4.625%
HK$13,828
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,270/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,069
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$413/mo
Today · 4.125%
HK$13,888
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,776/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,539
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$395/mo
Today · 4.125%
HK$15,324
baseline
▲ 0.50% · 4.625%
HK$16,132
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,648/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,803
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$531/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,943
+HK$1,087/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,712/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,693
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,194
−HK$509/mo
Today · 4.125%
HK$19,703
baseline
▲ 0.50% · 4.625%
HK$20,741
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,406/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,856 · 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).