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$9,354
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$296/mo
Today · 4.125%
HK$9,941
baseline
▲ 0.50% · 4.625%
HK$10,546
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,882/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,407
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,686
−HK$283/mo
Today · 4.125%
HK$10,969
baseline
▲ 0.50% · 4.625%
HK$11,547
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,938/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,225
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,575
−HK$354/mo
Today · 4.125%
HK$11,929
baseline
▲ 0.50% · 4.625%
HK$12,655
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,858/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,488
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,823
−HK$340/mo
Today · 4.125%
HK$13,163
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,326/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,096
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$414/mo
Today · 4.125%
HK$13,918
baseline
▲ 0.50% · 4.625%
HK$14,764
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,836/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,569
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,960
−HK$397/mo
Today · 4.125%
HK$15,357
baseline
▲ 0.50% · 4.625%
HK$16,166
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,714/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,838
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,362
−HK$532/mo
Today · 4.125%
HK$17,894
baseline
▲ 0.50% · 4.625%
HK$18,983
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,788/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,732
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,235
−HK$509/mo
Today · 4.125%
HK$19,744
baseline
▲ 0.50% · 4.625%
HK$20,785
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,488/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,576 · 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).