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$9,347
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,638
−HK$296/mo
Today · 4.125%
HK$9,934
baseline
▲ 0.50% · 4.625%
HK$10,538
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,868/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,399
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,678
−HK$283/mo
Today · 4.125%
HK$10,961
baseline
▲ 0.50% · 4.625%
HK$11,538
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,922/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,217
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,566
−HK$354/mo
Today · 4.125%
HK$11,920
baseline
▲ 0.50% · 4.625%
HK$12,646
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,840/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,479
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$340/mo
Today · 4.125%
HK$13,153
baseline
▲ 0.50% · 4.625%
HK$13,846
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,306/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,086
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$414/mo
Today · 4.125%
HK$13,907
baseline
▲ 0.50% · 4.625%
HK$14,753
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,814/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,558
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,949
−HK$396/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,154
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,825
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,349
−HK$531/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,968
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$19,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,718
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,220
−HK$509/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,769
+HK$1,040/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$19,951 · 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).