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$9,276
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,564
−HK$293/mo
Today · 4.125%
HK$9,857
baseline
▲ 0.50% · 4.625%
HK$10,457
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,714/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,319
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$281/mo
Today · 4.125%
HK$10,877
baseline
▲ 0.50% · 4.625%
HK$11,450
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,754/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,131
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,477
−HK$352/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,549
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,658/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,383
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,715
−HK$337/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,740
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,104/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,986
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,390
−HK$410/mo
Today · 4.125%
HK$13,800
baseline
▲ 0.50% · 4.625%
HK$14,640
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,600/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,447
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,834
−HK$393/mo
Today · 4.125%
HK$15,227
baseline
▲ 0.50% · 4.625%
HK$16,030
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,454/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,696
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,216
−HK$527/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,823
+HK$1,080/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,486/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,073
−HK$505/mo
Today · 4.125%
HK$19,578
baseline
▲ 0.50% · 4.625%
HK$20,610
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,156/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,669 · 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).