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$9,356
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,647
−HK$295/mo
Today · 4.125%
HK$9,942
baseline
▲ 0.50% · 4.625%
HK$10,547
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,884/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,408
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,687
−HK$283/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,549
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,940/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,227
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,576
−HK$355/mo
Today · 4.125%
HK$11,931
baseline
▲ 0.50% · 4.625%
HK$12,657
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,862/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,490
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$340/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,098
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,505
−HK$414/mo
Today · 4.125%
HK$13,919
baseline
▲ 0.50% · 4.625%
HK$14,766
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,838/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,571
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,962
−HK$397/mo
Today · 4.125%
HK$15,359
baseline
▲ 0.50% · 4.625%
HK$16,168
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,718/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,840
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$532/mo
Today · 4.125%
HK$17,896
baseline
▲ 0.50% · 4.625%
HK$18,985
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,792/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,735
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,237
−HK$510/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,682 · 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).