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$9,341
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$295/mo
Today · 4.125%
HK$9,926
baseline
▲ 0.50% · 4.625%
HK$10,530
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,852/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,391
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$283/mo
Today · 4.125%
HK$10,953
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,906/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,209
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,557
−HK$355/mo
Today · 4.125%
HK$11,912
baseline
▲ 0.50% · 4.625%
HK$12,637
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,824/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,470
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,804
−HK$339/mo
Today · 4.125%
HK$13,143
baseline
▲ 0.50% · 4.625%
HK$13,836
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,286/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,077
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$413/mo
Today · 4.125%
HK$13,897
baseline
▲ 0.50% · 4.625%
HK$14,743
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,794/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,548
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,938
−HK$396/mo
Today · 4.125%
HK$15,334
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,668/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,813
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,336
−HK$532/mo
Today · 4.125%
HK$17,868
baseline
▲ 0.50% · 4.625%
HK$18,955
+HK$1,087/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,736/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,705
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,206
−HK$509/mo
Today · 4.125%
HK$19,715
baseline
▲ 0.50% · 4.625%
HK$20,754
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,430/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,366 · 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).