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$9,414
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$298/mo
Today · 4.125%
HK$10,005
baseline
▲ 0.50% · 4.625%
HK$10,614
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,010/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,473
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$285/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,621
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,078/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,297
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$357/mo
Today · 4.125%
HK$12,006
baseline
▲ 0.50% · 4.625%
HK$12,736
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,012/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,568
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,905
−HK$342/mo
Today · 4.125%
HK$13,247
baseline
▲ 0.50% · 4.625%
HK$13,945
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,494/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,180
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,590
−HK$417/mo
Today · 4.125%
HK$14,007
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,014/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,663
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$399/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,270
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,910/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,946
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,473
−HK$536/mo
Today · 4.125%
HK$18,009
baseline
▲ 0.50% · 4.625%
HK$19,104
+HK$1,095/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,018/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$25,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,852
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,358
−HK$513/mo
Today · 4.125%
HK$19,871
baseline
▲ 0.50% · 4.625%
HK$20,918
+HK$1,047/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,742/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$25,836 · 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).