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$9,307
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,597
−HK$294/mo
Today · 4.125%
HK$9,891
baseline
▲ 0.50% · 4.625%
HK$10,493
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,782/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,354
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,632
−HK$281/mo
Today · 4.125%
HK$10,913
baseline
▲ 0.50% · 4.625%
HK$11,489
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,826/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,169
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,516
−HK$353/mo
Today · 4.125%
HK$11,869
baseline
▲ 0.50% · 4.625%
HK$12,591
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,738/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,425
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,758
−HK$338/mo
Today · 4.125%
HK$13,096
baseline
▲ 0.50% · 4.625%
HK$13,787
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,192/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,030
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,435
−HK$412/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$843/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,694/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,496
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,885
−HK$394/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,084
+HK$805/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,753
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,274
−HK$529/mo
Today · 4.125%
HK$17,803
baseline
▲ 0.50% · 4.625%
HK$18,887
+HK$1,084/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,606/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,637
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,137
−HK$507/mo
Today · 4.125%
HK$19,644
baseline
▲ 0.50% · 4.625%
HK$20,680
+HK$1,036/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,288/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,424 · 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).