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$9,288
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,577
−HK$294/mo
Today · 4.125%
HK$9,871
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,742/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,333
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,610
−HK$282/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,466
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,784/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,146
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,493
−HK$352/mo
Today · 4.125%
HK$11,845
baseline
▲ 0.50% · 4.625%
HK$12,566
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,690/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,400
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,733
−HK$337/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,759
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,140/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,004
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$411/mo
Today · 4.125%
HK$13,819
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,638/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,467
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,855
−HK$393/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,052
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,496/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,719
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,239
−HK$529/mo
Today · 4.125%
HK$17,768
baseline
▲ 0.50% · 4.625%
HK$18,849
+HK$1,081/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$35,536/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,600
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,099
−HK$506/mo
Today · 4.125%
HK$19,605
baseline
▲ 0.50% · 4.625%
HK$20,638
+HK$1,033/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$39,210/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,786 · 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).