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$9,236
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$292/mo
Today · 4.125%
HK$9,815
baseline
▲ 0.50% · 4.625%
HK$10,412
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,630/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,275
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,550
−HK$280/mo
Today · 4.125%
HK$10,830
baseline
▲ 0.50% · 4.625%
HK$11,401
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,660/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,083
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,428
−HK$350/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,495
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,556/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,330
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,660
−HK$336/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,992/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,930
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$409/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,482/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,385
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$392/mo
Today · 4.125%
HK$15,162
baseline
▲ 0.50% · 4.625%
HK$15,961
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,324/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,624
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,142
−HK$525/mo
Today · 4.125%
HK$17,667
baseline
▲ 0.50% · 4.625%
HK$18,742
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,334/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,495
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,991
−HK$503/mo
Today · 4.125%
HK$19,494
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,027/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$38,988/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,167 · 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).