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$9,317
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$295/mo
Today · 4.125%
HK$9,901
baseline
▲ 0.50% · 4.625%
HK$10,503
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,802/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,365
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,643
−HK$282/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,850/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,180
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$353/mo
Today · 4.125%
HK$11,881
baseline
▲ 0.50% · 4.625%
HK$12,604
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,762/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,438
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,771
−HK$338/mo
Today · 4.125%
HK$13,109
baseline
▲ 0.50% · 4.625%
HK$13,800
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,218/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,043
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,449
−HK$412/mo
Today · 4.125%
HK$13,861
baseline
▲ 0.50% · 4.625%
HK$14,705
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,722/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,510
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$394/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,101
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,770
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$530/mo
Today · 4.125%
HK$17,821
baseline
▲ 0.50% · 4.625%
HK$18,906
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,642/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,656
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,157
−HK$507/mo
Today · 4.125%
HK$19,664
baseline
▲ 0.50% · 4.625%
HK$20,701
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,328/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,252 · 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).