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$9,357
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,648
−HK$296/mo
Today · 4.125%
HK$9,944
baseline
▲ 0.50% · 4.625%
HK$10,549
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,888/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,410
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,689
−HK$283/mo
Today · 4.125%
HK$10,972
baseline
▲ 0.50% · 4.625%
HK$11,550
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,944/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,228
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$354/mo
Today · 4.125%
HK$11,932
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$727/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,864/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,491
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,826
−HK$340/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,860
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,332/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,100
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,507
−HK$414/mo
Today · 4.125%
HK$13,921
baseline
▲ 0.50% · 4.625%
HK$14,768
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,842/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,573
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,964
−HK$397/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,170
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,722/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,843
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,366
−HK$533/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,988
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,737
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$509/mo
Today · 4.125%
HK$19,749
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,042/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,498/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,795 · 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).