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$9,333
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,624
−HK$295/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$603/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,838/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,383
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,662
−HK$282/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,888/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,200
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,548
−HK$354/mo
Today · 4.125%
HK$11,902
baseline
▲ 0.50% · 4.625%
HK$12,626
+HK$724/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,804/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,460
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,794
−HK$339/mo
Today · 4.125%
HK$13,133
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$692/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,266/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,067
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,473
−HK$413/mo
Today · 4.125%
HK$13,886
baseline
▲ 0.50% · 4.625%
HK$14,731
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,772/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,536
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,926
−HK$396/mo
Today · 4.125%
HK$15,322
baseline
▲ 0.50% · 4.625%
HK$16,129
+HK$807/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,644/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,800
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$531/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$1,087/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,690
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,191
−HK$508/mo
Today · 4.125%
HK$19,699
baseline
▲ 0.50% · 4.625%
HK$20,738
+HK$1,039/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,398/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,716 · 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).