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$9,236
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,524
−HK$291/mo
Today · 4.125%
HK$9,815
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,630/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,275
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,551
−HK$279/mo
Today · 4.125%
HK$10,830
baseline
▲ 0.50% · 4.625%
HK$11,401
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,660/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,084
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,428
−HK$351/mo
Today · 4.125%
HK$11,779
baseline
▲ 0.50% · 4.625%
HK$12,495
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,558/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,330
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$335/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,682
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,992/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,931
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,333
−HK$409/mo
Today · 4.125%
HK$13,742
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,484/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,385
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,771
−HK$392/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$15,962
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,326/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,625
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,142
−HK$526/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,743
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,336/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,495
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,992
−HK$503/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,522
+HK$1,027/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,210 · 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).