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$9,357
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,648
−HK$296/mo
Today · 4.125%
HK$9,944
baseline
▲ 0.50% · 4.625%
HK$10,549
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,888/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,410
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,689
−HK$283/mo
Today · 4.125%
HK$10,972
baseline
▲ 0.50% · 4.625%
HK$11,551
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,944/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,229
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$355/mo
Today · 4.125%
HK$11,933
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,866/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,492
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,827
−HK$340/mo
Today · 4.125%
HK$13,167
baseline
▲ 0.50% · 4.625%
HK$13,861
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,334/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,100
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,508
−HK$414/mo
Today · 4.125%
HK$13,922
baseline
▲ 0.50% · 4.625%
HK$14,769
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,844/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,574
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,965
−HK$396/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,171
+HK$810/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,722/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,843
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,367
−HK$532/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,988
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,738
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$510/mo
Today · 4.125%
HK$19,750
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,500/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,824 · 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).