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$9,273
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,562
−HK$293/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,710/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,317
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,593
−HK$281/mo
Today · 4.125%
HK$10,874
baseline
▲ 0.50% · 4.625%
HK$11,447
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,748/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,128
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,474
−HK$352/mo
Today · 4.125%
HK$11,826
baseline
▲ 0.50% · 4.625%
HK$12,546
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,652/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,380
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,712
−HK$337/mo
Today · 4.125%
HK$13,049
baseline
▲ 0.50% · 4.625%
HK$13,737
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,098/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$410/mo
Today · 4.125%
HK$13,797
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,594/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,443
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$393/mo
Today · 4.125%
HK$15,224
baseline
▲ 0.50% · 4.625%
HK$16,026
+HK$802/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,448/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,692
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,211
−HK$528/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,570
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,068
−HK$505/mo
Today · 4.125%
HK$19,573
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,146/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,471 · 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).