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$9,336
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,626
−HK$295/mo
Today · 4.125%
HK$9,921
baseline
▲ 0.50% · 4.625%
HK$10,525
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,842/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,386
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,664
−HK$283/mo
Today · 4.125%
HK$10,947
baseline
▲ 0.50% · 4.625%
HK$11,524
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,894/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,203
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,551
−HK$354/mo
Today · 4.125%
HK$11,905
baseline
▲ 0.50% · 4.625%
HK$12,630
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,810/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,463
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,797
−HK$339/mo
Today · 4.125%
HK$13,136
baseline
▲ 0.50% · 4.625%
HK$13,829
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,272/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,070
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,477
−HK$413/mo
Today · 4.125%
HK$13,890
baseline
▲ 0.50% · 4.625%
HK$14,735
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,780/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,540
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$396/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,804
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$531/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,945
+HK$1,087/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,695
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,196
−HK$509/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,929 · 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).