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$9,302
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,591
−HK$294/mo
Today · 4.125%
HK$9,885
baseline
▲ 0.50% · 4.625%
HK$10,487
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,770/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$15,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,348
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,626
−HK$282/mo
Today · 4.125%
HK$10,908
baseline
▲ 0.50% · 4.625%
HK$11,483
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,816/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$15,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,162
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,510
−HK$352/mo
Today · 4.125%
HK$11,862
baseline
▲ 0.50% · 4.625%
HK$12,584
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,724/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,418
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,751
−HK$338/mo
Today · 4.125%
HK$13,089
baseline
▲ 0.50% · 4.625%
HK$13,779
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,178/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,023
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$412/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$842/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,680/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,876
−HK$395/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$805/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,744
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$529/mo
Today · 4.125%
HK$17,794
baseline
▲ 0.50% · 4.625%
HK$18,876
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,588/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$15,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,627
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,127
−HK$507/mo
Today · 4.125%
HK$19,634
baseline
▲ 0.50% · 4.625%
HK$20,669
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,268/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$15,980 · 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).