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$9,241
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$292/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,418
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,640/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,281
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,556
−HK$280/mo
Today · 4.125%
HK$10,836
baseline
▲ 0.50% · 4.625%
HK$11,407
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,672/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,089
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,434
−HK$351/mo
Today · 4.125%
HK$11,785
baseline
▲ 0.50% · 4.625%
HK$12,502
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,570/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,337
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,667
−HK$336/mo
Today · 4.125%
HK$13,003
baseline
▲ 0.50% · 4.625%
HK$13,689
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,006/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,937
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,340
−HK$409/mo
Today · 4.125%
HK$13,749
baseline
▲ 0.50% · 4.625%
HK$14,585
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,498/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,393
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,779
−HK$391/mo
Today · 4.125%
HK$15,170
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,340/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,634
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$526/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,505
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$504/mo
Today · 4.125%
HK$19,505
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,010/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,623 · 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).