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$9,346
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,637
−HK$295/mo
Today · 4.125%
HK$9,932
baseline
▲ 0.50% · 4.625%
HK$10,537
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,864/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,398
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$282/mo
Today · 4.125%
HK$10,959
baseline
▲ 0.50% · 4.625%
HK$11,537
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,918/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,216
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,564
−HK$355/mo
Today · 4.125%
HK$11,919
baseline
▲ 0.50% · 4.625%
HK$12,644
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,838/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,477
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,812
−HK$339/mo
Today · 4.125%
HK$13,151
baseline
▲ 0.50% · 4.625%
HK$13,845
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,302/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,085
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,492
−HK$413/mo
Today · 4.125%
HK$13,905
baseline
▲ 0.50% · 4.625%
HK$14,751
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,810/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,557
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$396/mo
Today · 4.125%
HK$15,343
baseline
▲ 0.50% · 4.625%
HK$16,152
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,686/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,823
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,347
−HK$531/mo
Today · 4.125%
HK$17,878
baseline
▲ 0.50% · 4.625%
HK$18,966
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,756/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$19,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,716
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,218
−HK$509/mo
Today · 4.125%
HK$19,727
baseline
▲ 0.50% · 4.625%
HK$20,767
+HK$1,040/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,454/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$19,861 · 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).