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$9,338
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$296/mo
Today · 4.125%
HK$9,924
baseline
▲ 0.50% · 4.625%
HK$10,527
+HK$603/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,848/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,388
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,667
−HK$283/mo
Today · 4.125%
HK$10,950
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,900/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,206
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,554
−HK$354/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,816/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,466
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$340/mo
Today · 4.125%
HK$13,140
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$692/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,280/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,073
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,480
−HK$413/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,786/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,544
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,934
−HK$395/mo
Today · 4.125%
HK$15,329
baseline
▲ 0.50% · 4.625%
HK$16,137
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,658/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,808
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,331
−HK$531/mo
Today · 4.125%
HK$17,862
baseline
▲ 0.50% · 4.625%
HK$18,949
+HK$1,087/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,724/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,699
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,201
−HK$508/mo
Today · 4.125%
HK$19,709
baseline
▲ 0.50% · 4.625%
HK$20,748
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,418/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,125 · 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).