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$9,330
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,620
−HK$295/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,518
+HK$603/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,830/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,379
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,658
−HK$282/mo
Today · 4.125%
HK$10,940
baseline
▲ 0.50% · 4.625%
HK$11,517
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,880/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,196
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,544
−HK$354/mo
Today · 4.125%
HK$11,898
baseline
▲ 0.50% · 4.625%
HK$12,622
+HK$724/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,796/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,455
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,789
−HK$339/mo
Today · 4.125%
HK$13,128
baseline
▲ 0.50% · 4.625%
HK$13,820
+HK$692/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,256/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,062
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$413/mo
Today · 4.125%
HK$13,881
baseline
▲ 0.50% · 4.625%
HK$14,726
+HK$845/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,762/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,531
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,921
−HK$395/mo
Today · 4.125%
HK$15,316
baseline
▲ 0.50% · 4.625%
HK$16,124
+HK$808/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,632/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,794
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,316
−HK$531/mo
Today · 4.125%
HK$17,847
baseline
▲ 0.50% · 4.625%
HK$18,933
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,694/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,683
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,184
−HK$508/mo
Today · 4.125%
HK$19,692
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,384/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,427 · 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).