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$9,269
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,558
−HK$292/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,450
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,700/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,312
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$281/mo
Today · 4.125%
HK$10,869
baseline
▲ 0.50% · 4.625%
HK$11,442
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,738/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,123
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$352/mo
Today · 4.125%
HK$11,821
baseline
▲ 0.50% · 4.625%
HK$12,540
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,642/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,374
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,706
−HK$337/mo
Today · 4.125%
HK$13,043
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$687/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,086/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,977
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,381
−HK$410/mo
Today · 4.125%
HK$13,791
baseline
▲ 0.50% · 4.625%
HK$14,630
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,582/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,437
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$393/mo
Today · 4.125%
HK$15,217
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$802/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,434/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,685
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,204
−HK$527/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,810
+HK$1,079/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,462/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,561
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,059
−HK$505/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,095 · 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).