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$9,355
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,646
−HK$296/mo
Today · 4.125%
HK$9,942
baseline
▲ 0.50% · 4.625%
HK$10,547
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,884/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,408
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,687
−HK$283/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,548
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,940/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,226
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,576
−HK$354/mo
Today · 4.125%
HK$11,930
baseline
▲ 0.50% · 4.625%
HK$12,656
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,860/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,489
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,824
−HK$340/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,328/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,097
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,505
−HK$414/mo
Today · 4.125%
HK$13,919
baseline
▲ 0.50% · 4.625%
HK$14,766
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,838/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,571
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,962
−HK$396/mo
Today · 4.125%
HK$15,358
baseline
▲ 0.50% · 4.625%
HK$16,167
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,716/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,840
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,363
−HK$532/mo
Today · 4.125%
HK$17,895
baseline
▲ 0.50% · 4.625%
HK$18,984
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,790/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,734
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,236
−HK$510/mo
Today · 4.125%
HK$19,746
baseline
▲ 0.50% · 4.625%
HK$20,787
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,492/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,647 · 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).