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$9,343
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$295/mo
Today · 4.125%
HK$9,928
baseline
▲ 0.50% · 4.625%
HK$10,533
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,856/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,394
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,672
−HK$283/mo
Today · 4.125%
HK$10,955
baseline
▲ 0.50% · 4.625%
HK$11,532
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,910/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,211
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,560
−HK$354/mo
Today · 4.125%
HK$11,914
baseline
▲ 0.50% · 4.625%
HK$12,639
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,828/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,472
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,807
−HK$339/mo
Today · 4.125%
HK$13,146
baseline
▲ 0.50% · 4.625%
HK$13,839
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,292/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,080
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$414/mo
Today · 4.125%
HK$13,900
baseline
▲ 0.50% · 4.625%
HK$14,746
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,800/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,551
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,941
−HK$396/mo
Today · 4.125%
HK$15,337
baseline
▲ 0.50% · 4.625%
HK$16,145
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,674/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,817
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,340
−HK$531/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,959
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,210
−HK$509/mo
Today · 4.125%
HK$19,719
baseline
▲ 0.50% · 4.625%
HK$20,758
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,438/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,531 · 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).