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$586/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$295/mo
Today · 4.125%
HK$9,928
baseline
▲ 0.50% · 4.625%
HK$10,532
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,856/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,393
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,672
−HK$282/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,532
+HK$578/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$19,476 · 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$19,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,471
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,806
−HK$339/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$19,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,079
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$413/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,798/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,550
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,940
−HK$396/mo
Today · 4.125%
HK$15,336
baseline
▲ 0.50% · 4.625%
HK$16,144
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,672/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,815
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,339
−HK$531/mo
Today · 4.125%
HK$17,870
baseline
▲ 0.50% · 4.625%
HK$18,957
+HK$1,087/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,740/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,707
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,209
−HK$509/mo
Today · 4.125%
HK$19,718
baseline
▲ 0.50% · 4.625%
HK$20,757
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,436/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,476 · 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).