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$9,271
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,559
−HK$293/mo
Today · 4.125%
HK$9,852
baseline
▲ 0.50% · 4.625%
HK$10,452
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,704/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,314
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,590
−HK$281/mo
Today · 4.125%
HK$10,871
baseline
▲ 0.50% · 4.625%
HK$11,444
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,742/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,125
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$352/mo
Today · 4.125%
HK$11,823
baseline
▲ 0.50% · 4.625%
HK$12,542
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,646/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,376
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,708
−HK$337/mo
Today · 4.125%
HK$13,045
baseline
▲ 0.50% · 4.625%
HK$13,733
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,090/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,979
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$410/mo
Today · 4.125%
HK$13,793
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,586/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,439
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,826
−HK$393/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,021
+HK$802/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,438/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,687
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$528/mo
Today · 4.125%
HK$17,734
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,468/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,564
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$505/mo
Today · 4.125%
HK$19,567
baseline
▲ 0.50% · 4.625%
HK$20,599
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,134/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,231 · 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).