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$9,344
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,634
−HK$295/mo
Today · 4.125%
HK$9,929
baseline
▲ 0.50% · 4.625%
HK$10,534
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,858/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,395
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,673
−HK$283/mo
Today · 4.125%
HK$10,956
baseline
▲ 0.50% · 4.625%
HK$11,534
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,912/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,212
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,561
−HK$354/mo
Today · 4.125%
HK$11,915
baseline
▲ 0.50% · 4.625%
HK$12,640
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,830/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,474
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,808
−HK$339/mo
Today · 4.125%
HK$13,147
baseline
▲ 0.50% · 4.625%
HK$13,840
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,294/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,081
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$413/mo
Today · 4.125%
HK$13,901
baseline
▲ 0.50% · 4.625%
HK$14,747
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,802/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,552
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$396/mo
Today · 4.125%
HK$15,339
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,678/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,818
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,342
−HK$531/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,212
−HK$509/mo
Today · 4.125%
HK$19,721
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,040/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,442/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,616 · 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).