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$586/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$295/mo
Today · 4.125%
HK$9,926
baseline
▲ 0.50% · 4.625%
HK$10,530
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,852/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,391
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$282/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$578/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$19,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,208
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,557
−HK$354/mo
Today · 4.125%
HK$11,911
baseline
▲ 0.50% · 4.625%
HK$12,636
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,822/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,469
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,803
−HK$340/mo
Today · 4.125%
HK$13,143
baseline
▲ 0.50% · 4.625%
HK$13,835
+HK$692/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,286/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,076
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,483
−HK$413/mo
Today · 4.125%
HK$13,896
baseline
▲ 0.50% · 4.625%
HK$14,742
+HK$846/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$19,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,547
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,937
−HK$396/mo
Today · 4.125%
HK$15,333
baseline
▲ 0.50% · 4.625%
HK$16,141
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,666/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,812
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$532/mo
Today · 4.125%
HK$17,867
baseline
▲ 0.50% · 4.625%
HK$18,954
+HK$1,087/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,734/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,704
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,205
−HK$509/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,753
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,322 · 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).