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$9,325
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$295/mo
Today · 4.125%
HK$9,910
baseline
▲ 0.50% · 4.625%
HK$10,513
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,820/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,374
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$283/mo
Today · 4.125%
HK$10,935
baseline
▲ 0.50% · 4.625%
HK$11,511
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,870/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,190
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,538
−HK$354/mo
Today · 4.125%
HK$11,892
baseline
▲ 0.50% · 4.625%
HK$12,615
+HK$723/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,784/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,449
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,783
−HK$338/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$692/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,242/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,055
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,461
−HK$413/mo
Today · 4.125%
HK$13,874
baseline
▲ 0.50% · 4.625%
HK$14,718
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,748/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,524
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,913
−HK$395/mo
Today · 4.125%
HK$15,308
baseline
▲ 0.50% · 4.625%
HK$16,115
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,616/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,785
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,307
−HK$531/mo
Today · 4.125%
HK$17,838
baseline
▲ 0.50% · 4.625%
HK$18,923
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,676/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,673
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,174
−HK$508/mo
Today · 4.125%
HK$19,682
baseline
▲ 0.50% · 4.625%
HK$20,720
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,364/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,995 · 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).