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$9,242
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$292/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,419
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,644/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,282
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$279/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,409
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,674/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,091
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$350/mo
Today · 4.125%
HK$11,786
baseline
▲ 0.50% · 4.625%
HK$12,503
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,572/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,338
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,669
−HK$336/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,690
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,010/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,939
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$409/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,502/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,395
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$391/mo
Today · 4.125%
HK$15,172
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,344/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,636
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$526/mo
Today · 4.125%
HK$17,679
baseline
▲ 0.50% · 4.625%
HK$18,755
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,358/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,507
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,004
−HK$503/mo
Today · 4.125%
HK$19,507
baseline
▲ 0.50% · 4.625%
HK$20,536
+HK$1,029/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,014/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,730 · 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).