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$9,310
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$294/mo
Today · 4.125%
HK$9,894
baseline
▲ 0.50% · 4.625%
HK$10,496
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,788/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,358
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,635
−HK$282/mo
Today · 4.125%
HK$10,917
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,834/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,172
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$353/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,746/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,429
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$339/mo
Today · 4.125%
HK$13,101
baseline
▲ 0.50% · 4.625%
HK$13,791
+HK$690/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$16,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,034
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,440
−HK$412/mo
Today · 4.125%
HK$13,852
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$843/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,704/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,501
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,889
−HK$395/mo
Today · 4.125%
HK$15,284
baseline
▲ 0.50% · 4.625%
HK$16,090
+HK$806/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,568/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,758
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$529/mo
Today · 4.125%
HK$17,809
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$1,084/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,618/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,644
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$507/mo
Today · 4.125%
HK$19,651
baseline
▲ 0.50% · 4.625%
HK$20,687
+HK$1,036/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,302/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,695 · 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).