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$9,239
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,526
−HK$292/mo
Today · 4.125%
HK$9,818
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,636/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,278
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,554
−HK$279/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,666/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,086
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,431
−HK$351/mo
Today · 4.125%
HK$11,782
baseline
▲ 0.50% · 4.625%
HK$12,498
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,564/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,333
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,664
−HK$336/mo
Today · 4.125%
HK$13,000
baseline
▲ 0.50% · 4.625%
HK$13,685
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,000/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,934
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$409/mo
Today · 4.125%
HK$13,745
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,490/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,775
−HK$391/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$15,966
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,332/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,630
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$525/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,748
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,500
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,996
−HK$504/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,528
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,417 · 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).