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$9,337
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$295/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,527
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,846/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,388
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$283/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,526
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,898/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,205
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,553
−HK$354/mo
Today · 4.125%
HK$11,907
baseline
▲ 0.50% · 4.625%
HK$12,632
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,814/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,465
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$339/mo
Today · 4.125%
HK$13,139
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$692/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,278/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,072
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,479
−HK$413/mo
Today · 4.125%
HK$13,892
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,784/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,543
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,933
−HK$395/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,656/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,807
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,330
−HK$531/mo
Today · 4.125%
HK$17,861
baseline
▲ 0.50% · 4.625%
HK$18,948
+HK$1,087/mo
Deposit HK$409K · loan HK$3.69M · min. income ≈ HK$35,722/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,698
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,199
−HK$509/mo
Today · 4.125%
HK$19,708
baseline
▲ 0.50% · 4.625%
HK$20,747
+HK$1,039/mo
Deposit HK$409K · loan HK$3.69M · min. income ≈ HK$39,416/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,073 · 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).