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$9,331
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,621
−HK$295/mo
Today · 4.125%
HK$9,916
baseline
▲ 0.50% · 4.625%
HK$10,519
+HK$603/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,832/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,381
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$282/mo
Today · 4.125%
HK$10,941
baseline
▲ 0.50% · 4.625%
HK$11,518
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,882/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,197
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,545
−HK$354/mo
Today · 4.125%
HK$11,899
baseline
▲ 0.50% · 4.625%
HK$12,623
+HK$724/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,798/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,457
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$339/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,822
+HK$692/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,260/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,063
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$413/mo
Today · 4.125%
HK$13,883
baseline
▲ 0.50% · 4.625%
HK$14,727
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,766/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,533
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$395/mo
Today · 4.125%
HK$15,318
baseline
▲ 0.50% · 4.625%
HK$16,125
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,636/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,796
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$531/mo
Today · 4.125%
HK$17,849
baseline
▲ 0.50% · 4.625%
HK$18,935
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,698/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$509/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,733
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,516 · 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).