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$9,295
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$294/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,756/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,340
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,618
−HK$281/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,473
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,154
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$352/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$721/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,706/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,408
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$338/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,768
+HK$689/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,158/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,013
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,417
−HK$412/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,670
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,658/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,476
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,865
−HK$394/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,063
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,518/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,731
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$529/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,862
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,613
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,112
−HK$506/mo
Today · 4.125%
HK$19,618
baseline
▲ 0.50% · 4.625%
HK$20,652
+HK$1,034/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,236/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,338 · 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).