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$9,327
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$295/mo
Today · 4.125%
HK$9,912
baseline
▲ 0.50% · 4.625%
HK$10,515
+HK$603/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,824/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,376
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$282/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,872/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,192
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,540
−HK$354/mo
Today · 4.125%
HK$11,894
baseline
▲ 0.50% · 4.625%
HK$12,618
+HK$724/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,788/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$18,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,451
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,785
−HK$339/mo
Today · 4.125%
HK$13,124
baseline
▲ 0.50% · 4.625%
HK$13,816
+HK$692/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,248/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$18,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,057
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$412/mo
Today · 4.125%
HK$13,876
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$845/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,752/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,526
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,916
−HK$395/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,118
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,788
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,310
−HK$531/mo
Today · 4.125%
HK$17,841
baseline
▲ 0.50% · 4.625%
HK$18,926
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,682/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$18,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,677
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,177
−HK$509/mo
Today · 4.125%
HK$19,686
baseline
▲ 0.50% · 4.625%
HK$20,723
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,372/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$18,141 · 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).