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$9,259
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,547
−HK$293/mo
Today · 4.125%
HK$9,840
baseline
▲ 0.50% · 4.625%
HK$10,439
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,680/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,301
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,577
−HK$280/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,430
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,714/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,111
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$351/mo
Today · 4.125%
HK$11,808
baseline
▲ 0.50% · 4.625%
HK$12,526
+HK$718/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,616/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,361
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$337/mo
Today · 4.125%
HK$13,029
baseline
▲ 0.50% · 4.625%
HK$13,715
+HK$686/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,058/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,963
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$410/mo
Today · 4.125%
HK$13,776
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,552/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,421
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,808
−HK$392/mo
Today · 4.125%
HK$15,200
baseline
▲ 0.50% · 4.625%
HK$16,001
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,400/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,667
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,185
−HK$527/mo
Today · 4.125%
HK$17,712
baseline
▲ 0.50% · 4.625%
HK$18,789
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,424/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,541
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,039
−HK$504/mo
Today · 4.125%
HK$19,543
baseline
▲ 0.50% · 4.625%
HK$20,573
+HK$1,030/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,086/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,219 · 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).