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$9,315
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$295/mo
Today · 4.125%
HK$9,900
baseline
▲ 0.50% · 4.625%
HK$10,502
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,800/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,363
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,641
−HK$282/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,846/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,178
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$353/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,602
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,758/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,436
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,769
−HK$339/mo
Today · 4.125%
HK$13,108
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,216/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,042
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,447
−HK$412/mo
Today · 4.125%
HK$13,859
baseline
▲ 0.50% · 4.625%
HK$14,703
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,718/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,509
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,898
−HK$394/mo
Today · 4.125%
HK$15,292
baseline
▲ 0.50% · 4.625%
HK$16,099
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,584/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,768
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$530/mo
Today · 4.125%
HK$17,819
baseline
▲ 0.50% · 4.625%
HK$18,903
+HK$1,084/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,638/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,654
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,154
−HK$508/mo
Today · 4.125%
HK$19,662
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,036/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,324/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,147 · 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).