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$9,339
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,629
−HK$295/mo
Today · 4.125%
HK$9,924
baseline
▲ 0.50% · 4.625%
HK$10,528
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,848/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,389
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,668
−HK$282/mo
Today · 4.125%
HK$10,950
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,900/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$19,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,206
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$354/mo
Today · 4.125%
HK$11,909
baseline
▲ 0.50% · 4.625%
HK$12,634
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,818/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,467
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$339/mo
Today · 4.125%
HK$13,140
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,280/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$19,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,074
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,481
−HK$413/mo
Today · 4.125%
HK$13,894
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,788/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,545
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$396/mo
Today · 4.125%
HK$15,331
baseline
▲ 0.50% · 4.625%
HK$16,139
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,662/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$19,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,809
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,332
−HK$532/mo
Today · 4.125%
HK$17,864
baseline
▲ 0.50% · 4.625%
HK$18,951
+HK$1,087/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,728/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,700
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,202
−HK$509/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,750
+HK$1,039/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$19,184 · 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).