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$9,291
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,580
−HK$294/mo
Today · 4.125%
HK$9,874
baseline
▲ 0.50% · 4.625%
HK$10,475
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,748/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,336
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,614
−HK$281/mo
Today · 4.125%
HK$10,895
baseline
▲ 0.50% · 4.625%
HK$11,469
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,790/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,149
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,496
−HK$353/mo
Today · 4.125%
HK$11,849
baseline
▲ 0.50% · 4.625%
HK$12,570
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,698/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$15,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,404
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,736
−HK$338/mo
Today · 4.125%
HK$13,074
baseline
▲ 0.50% · 4.625%
HK$13,763
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,148/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$15,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,008
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,412
−HK$411/mo
Today · 4.125%
HK$13,823
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$842/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,646/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,471
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,859
−HK$394/mo
Today · 4.125%
HK$15,253
baseline
▲ 0.50% · 4.625%
HK$16,057
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,506/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,724
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,244
−HK$529/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,854
+HK$1,081/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$15,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,605
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$507/mo
Today · 4.125%
HK$19,611
baseline
▲ 0.50% · 4.625%
HK$20,644
+HK$1,033/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$39,222/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$15,028 · 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).