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$9,345
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$296/mo
Today · 4.125%
HK$9,932
baseline
▲ 0.50% · 4.625%
HK$10,536
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,864/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,397
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,676
−HK$282/mo
Today · 4.125%
HK$10,958
baseline
▲ 0.50% · 4.625%
HK$11,536
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,916/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,215
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,563
−HK$355/mo
Today · 4.125%
HK$11,918
baseline
▲ 0.50% · 4.625%
HK$12,643
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,836/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,476
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,811
−HK$339/mo
Today · 4.125%
HK$13,150
baseline
▲ 0.50% · 4.625%
HK$13,843
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,300/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,084
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$413/mo
Today · 4.125%
HK$13,904
baseline
▲ 0.50% · 4.625%
HK$14,750
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,808/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,555
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,946
−HK$396/mo
Today · 4.125%
HK$15,342
baseline
▲ 0.50% · 4.625%
HK$16,151
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,684/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,822
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,345
−HK$532/mo
Today · 4.125%
HK$17,877
baseline
▲ 0.50% · 4.625%
HK$18,964
+HK$1,087/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,754/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$19,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,714
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,216
−HK$509/mo
Today · 4.125%
HK$19,725
baseline
▲ 0.50% · 4.625%
HK$20,765
+HK$1,040/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,450/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$19,787 · 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).