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$9,243
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$293/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,420
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,646/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,283
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$280/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,676/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,092
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,437
−HK$350/mo
Today · 4.125%
HK$11,787
baseline
▲ 0.50% · 4.625%
HK$12,504
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,574/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,339
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,670
−HK$336/mo
Today · 4.125%
HK$13,006
baseline
▲ 0.50% · 4.625%
HK$13,691
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,012/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,940
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$409/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,588
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,504/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,396
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,782
−HK$391/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$15,973
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,155
−HK$526/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,756
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,509
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$504/mo
Today · 4.125%
HK$19,509
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,018/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,792 · 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).