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$585/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$295/mo
Today · 4.125%
HK$9,908
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,816/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,372
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,650
−HK$282/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,509
+HK$577/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$17,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,188
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,536
−HK$353/mo
Today · 4.125%
HK$11,889
baseline
▲ 0.50% · 4.625%
HK$12,613
+HK$724/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$17,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,446
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,780
−HK$339/mo
Today · 4.125%
HK$13,119
baseline
▲ 0.50% · 4.625%
HK$13,810
+HK$691/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,238/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,053
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,459
−HK$412/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,715
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,742/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,521
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,910
−HK$395/mo
Today · 4.125%
HK$15,305
baseline
▲ 0.50% · 4.625%
HK$16,112
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,610/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,782
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$530/mo
Today · 4.125%
HK$17,834
baseline
▲ 0.50% · 4.625%
HK$18,919
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,668/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,670
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,170
−HK$508/mo
Today · 4.125%
HK$19,678
baseline
▲ 0.50% · 4.625%
HK$20,716
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,356/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,835 · 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).