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$9,290
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,579
−HK$294/mo
Today · 4.125%
HK$9,873
baseline
▲ 0.50% · 4.625%
HK$10,473
+HK$600/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,746/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,335
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$281/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,468
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,786/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,148
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,495
−HK$352/mo
Today · 4.125%
HK$11,847
baseline
▲ 0.50% · 4.625%
HK$12,568
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,694/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,402
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$337/mo
Today · 4.125%
HK$13,072
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,144/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,006
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$411/mo
Today · 4.125%
HK$13,822
baseline
▲ 0.50% · 4.625%
HK$14,663
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,644/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,469
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$394/mo
Today · 4.125%
HK$15,251
baseline
▲ 0.50% · 4.625%
HK$16,055
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,502/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,722
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$529/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,852
+HK$1,081/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$506/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,034/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,923 · 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).