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$9,358
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,649
−HK$296/mo
Today · 4.125%
HK$9,945
baseline
▲ 0.50% · 4.625%
HK$10,550
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,890/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,411
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,690
−HK$283/mo
Today · 4.125%
HK$10,973
baseline
▲ 0.50% · 4.625%
HK$11,551
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,946/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,229
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$355/mo
Today · 4.125%
HK$11,934
baseline
▲ 0.50% · 4.625%
HK$12,660
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,868/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,493
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,828
−HK$340/mo
Today · 4.125%
HK$13,168
baseline
▲ 0.50% · 4.625%
HK$13,862
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,336/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,101
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$414/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,770
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,846/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,575
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$396/mo
Today · 4.125%
HK$15,362
baseline
▲ 0.50% · 4.625%
HK$16,172
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,724/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,844
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$532/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$1,090/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,739
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$509/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,874 · 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).