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$9,248
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$292/mo
Today · 4.125%
HK$9,828
baseline
▲ 0.50% · 4.625%
HK$10,426
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,656/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,288
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,564
−HK$280/mo
Today · 4.125%
HK$10,844
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,688/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,097
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$350/mo
Today · 4.125%
HK$11,793
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,586/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,346
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,677
−HK$336/mo
Today · 4.125%
HK$13,013
baseline
▲ 0.50% · 4.625%
HK$13,699
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,026/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,947
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$409/mo
Today · 4.125%
HK$13,759
baseline
▲ 0.50% · 4.625%
HK$14,596
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,518/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,403
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,790
−HK$392/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$15,982
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,364/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,646
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,164
−HK$526/mo
Today · 4.125%
HK$17,690
baseline
▲ 0.50% · 4.625%
HK$18,767
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,380/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,519
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$504/mo
Today · 4.125%
HK$19,519
baseline
▲ 0.50% · 4.625%
HK$20,548
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,038/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,230 · 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).