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$9,353
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,644
−HK$296/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,544
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,880/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,405
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$283/mo
Today · 4.125%
HK$10,967
baseline
▲ 0.50% · 4.625%
HK$11,545
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,934/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,224
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$354/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,653
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,854/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,486
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,821
−HK$340/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,854
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,322/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,094
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$413/mo
Today · 4.125%
HK$13,915
baseline
▲ 0.50% · 4.625%
HK$14,762
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,830/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,567
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$396/mo
Today · 4.125%
HK$15,354
baseline
▲ 0.50% · 4.625%
HK$16,164
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,708/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,835
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,359
−HK$532/mo
Today · 4.125%
HK$17,891
baseline
▲ 0.50% · 4.625%
HK$18,980
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,782/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,729
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$509/mo
Today · 4.125%
HK$19,741
baseline
▲ 0.50% · 4.625%
HK$20,782
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,482/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,449 · 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).