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$585/mo
▼ 0.25% · 3.875%
HK$9,607
−HK$295/mo
Today · 4.125%
HK$9,902
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,804/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,312 · 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$11,501
+HK$576/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$17,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,181
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$354/mo
Today · 4.125%
HK$11,882
baseline
▲ 0.50% · 4.625%
HK$12,605
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,764/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,438
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,772
−HK$338/mo
Today · 4.125%
HK$13,110
baseline
▲ 0.50% · 4.625%
HK$13,802
+HK$692/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,220/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,044
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,450
−HK$412/mo
Today · 4.125%
HK$13,862
baseline
▲ 0.50% · 4.625%
HK$14,706
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,724/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,512
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,901
−HK$395/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,102
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,771
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,293
−HK$530/mo
Today · 4.125%
HK$17,823
baseline
▲ 0.50% · 4.625%
HK$18,907
+HK$1,084/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,646/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,158
−HK$508/mo
Today · 4.125%
HK$19,666
baseline
▲ 0.50% · 4.625%
HK$20,702
+HK$1,036/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,332/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,312 · 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).