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$9,342
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,632
−HK$295/mo
Today · 4.125%
HK$9,927
baseline
▲ 0.50% · 4.625%
HK$10,531
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,854/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,392
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$283/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,531
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,908/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,210
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,559
−HK$354/mo
Today · 4.125%
HK$11,913
baseline
▲ 0.50% · 4.625%
HK$12,638
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,826/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,471
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,805
−HK$340/mo
Today · 4.125%
HK$13,145
baseline
▲ 0.50% · 4.625%
HK$13,838
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,290/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,078
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,485
−HK$413/mo
Today · 4.125%
HK$13,898
baseline
▲ 0.50% · 4.625%
HK$14,744
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,796/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,549
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,940
−HK$395/mo
Today · 4.125%
HK$15,335
baseline
▲ 0.50% · 4.625%
HK$16,144
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,670/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,815
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,338
−HK$531/mo
Today · 4.125%
HK$17,869
baseline
▲ 0.50% · 4.625%
HK$18,957
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,738/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,706
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,208
−HK$509/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,756
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,444 · 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).