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$9,270
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,558
−HK$293/mo
Today · 4.125%
HK$9,851
baseline
▲ 0.50% · 4.625%
HK$10,451
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,702/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,313
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$281/mo
Today · 4.125%
HK$10,870
baseline
▲ 0.50% · 4.625%
HK$11,443
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,740/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,124
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,470
−HK$352/mo
Today · 4.125%
HK$11,822
baseline
▲ 0.50% · 4.625%
HK$12,541
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,644/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,375
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,707
−HK$337/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,731
+HK$687/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,088/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,978
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$410/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,631
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,584/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,825
−HK$393/mo
Today · 4.125%
HK$15,218
baseline
▲ 0.50% · 4.625%
HK$16,020
+HK$802/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,436/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,686
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,205
−HK$527/mo
Today · 4.125%
HK$17,732
baseline
▲ 0.50% · 4.625%
HK$18,811
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,464/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,563
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,061
−HK$505/mo
Today · 4.125%
HK$19,566
baseline
▲ 0.50% · 4.625%
HK$20,597
+HK$1,031/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,132/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,166 · 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).