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$586/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$295/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,844/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,387
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$283/mo
Today · 4.125%
HK$10,948
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,896/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,204
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$354/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,631
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,812/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,464
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,798
−HK$339/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,830
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,274/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,071
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$413/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,736
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,782/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,541
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$396/mo
Today · 4.125%
HK$15,327
baseline
▲ 0.50% · 4.625%
HK$16,135
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,654/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,806
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$531/mo
Today · 4.125%
HK$17,859
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$1,087/mo
Deposit HK$409K · loan HK$3.69M · min. income ≈ HK$35,718/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$509/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,745
+HK$1,039/mo
Deposit HK$409K · loan HK$3.69M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,994 · 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).