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$9,359
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$296/mo
Today · 4.125%
HK$9,946
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,892/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,412
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$284/mo
Today · 4.125%
HK$10,975
baseline
▲ 0.50% · 4.625%
HK$11,553
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,950/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,231
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,580
−HK$355/mo
Today · 4.125%
HK$11,935
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$727/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,870/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,494
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,829
−HK$340/mo
Today · 4.125%
HK$13,169
baseline
▲ 0.50% · 4.625%
HK$13,864
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,338/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,103
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$415/mo
Today · 4.125%
HK$13,925
baseline
▲ 0.50% · 4.625%
HK$14,772
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,850/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,577
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,968
−HK$396/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,174
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,728/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,847
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$532/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,992
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$510/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,795
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,988 · 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).