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$9,360
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$296/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,552
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,894/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$21,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,413
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$283/mo
Today · 4.125%
HK$10,975
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$579/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$21,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,232
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$355/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,872/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,495
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$340/mo
Today · 4.125%
HK$13,170
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$695/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,340/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$21,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,104
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,511
−HK$415/mo
Today · 4.125%
HK$13,926
baseline
▲ 0.50% · 4.625%
HK$14,773
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,852/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,578
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$396/mo
Today · 4.125%
HK$15,365
baseline
▲ 0.50% · 4.625%
HK$16,175
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,730/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$21,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,848
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$532/mo
Today · 4.125%
HK$17,904
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$1,090/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,808/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,246
−HK$510/mo
Today · 4.125%
HK$19,756
baseline
▲ 0.50% · 4.625%
HK$20,797
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,512/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,047 · 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).