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$9,354
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$295/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,545
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,880/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,406
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,685
−HK$283/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,547
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,936/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,225
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,574
−HK$355/mo
Today · 4.125%
HK$11,929
baseline
▲ 0.50% · 4.625%
HK$12,654
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,858/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,487
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$340/mo
Today · 4.125%
HK$13,162
baseline
▲ 0.50% · 4.625%
HK$13,856
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,324/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,095
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,503
−HK$414/mo
Today · 4.125%
HK$13,917
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,834/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,569
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,959
−HK$397/mo
Today · 4.125%
HK$15,356
baseline
▲ 0.50% · 4.625%
HK$16,165
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,712/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,837
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,361
−HK$532/mo
Today · 4.125%
HK$17,893
baseline
▲ 0.50% · 4.625%
HK$18,982
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,786/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,731
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,233
−HK$510/mo
Today · 4.125%
HK$19,743
baseline
▲ 0.50% · 4.625%
HK$20,784
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,486/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,527 · 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).