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$9,323
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$294/mo
Today · 4.125%
HK$9,907
baseline
▲ 0.50% · 4.625%
HK$10,510
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,814/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,371
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,649
−HK$283/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,508
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,864/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,187
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,535
−HK$354/mo
Today · 4.125%
HK$11,889
baseline
▲ 0.50% · 4.625%
HK$12,612
+HK$723/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,778/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,446
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,779
−HK$339/mo
Today · 4.125%
HK$13,118
baseline
▲ 0.50% · 4.625%
HK$13,809
+HK$691/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,236/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,052
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,458
−HK$412/mo
Today · 4.125%
HK$13,870
baseline
▲ 0.50% · 4.625%
HK$14,714
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,740/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,909
−HK$395/mo
Today · 4.125%
HK$15,304
baseline
▲ 0.50% · 4.625%
HK$16,111
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,608/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$530/mo
Today · 4.125%
HK$17,833
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,666/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,169
−HK$508/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,714
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,783 · 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).