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$9,336
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,626
−HK$295/mo
Today · 4.125%
HK$9,921
baseline
▲ 0.50% · 4.625%
HK$10,525
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,842/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,386
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$282/mo
Today · 4.125%
HK$10,947
baseline
▲ 0.50% · 4.625%
HK$11,524
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,894/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,203
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$354/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,630
+HK$724/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,812/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,463
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,798
−HK$339/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,829
+HK$692/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,274/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,070
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,477
−HK$413/mo
Today · 4.125%
HK$13,890
baseline
▲ 0.50% · 4.625%
HK$14,735
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,780/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,541
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$395/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,805
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$531/mo
Today · 4.125%
HK$17,859
baseline
▲ 0.50% · 4.625%
HK$18,945
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,718/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,695
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$508/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,744
+HK$1,039/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,955 · 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).