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$9,311
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$295/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,790/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,358
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,636
−HK$282/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,836/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,173
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,521
−HK$353/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,596
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,748/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,430
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,763
−HK$338/mo
Today · 4.125%
HK$13,101
baseline
▲ 0.50% · 4.625%
HK$13,792
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,202/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,035
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,441
−HK$412/mo
Today · 4.125%
HK$13,853
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$842/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,706/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,501
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,890
−HK$395/mo
Today · 4.125%
HK$15,285
baseline
▲ 0.50% · 4.625%
HK$16,091
+HK$806/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,570/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,759
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$529/mo
Today · 4.125%
HK$17,810
baseline
▲ 0.50% · 4.625%
HK$18,894
+HK$1,084/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,620/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,645
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,145
−HK$507/mo
Today · 4.125%
HK$19,652
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,036/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,304/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,748 · 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).