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$9,351
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$295/mo
Today · 4.125%
HK$9,937
baseline
▲ 0.50% · 4.625%
HK$10,542
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,874/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,403
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$283/mo
Today · 4.125%
HK$10,965
baseline
▲ 0.50% · 4.625%
HK$11,543
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,930/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,221
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,570
−HK$355/mo
Today · 4.125%
HK$11,925
baseline
▲ 0.50% · 4.625%
HK$12,650
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,850/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,483
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,818
−HK$340/mo
Today · 4.125%
HK$13,158
baseline
▲ 0.50% · 4.625%
HK$13,851
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,316/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,091
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$414/mo
Today · 4.125%
HK$13,912
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,824/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,564
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$397/mo
Today · 4.125%
HK$15,351
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,702/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,832
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,355
−HK$532/mo
Today · 4.125%
HK$17,887
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,774/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,725
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,227
−HK$510/mo
Today · 4.125%
HK$19,737
baseline
▲ 0.50% · 4.625%
HK$20,777
+HK$1,040/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,474/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,262 · 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).