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$9,241
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$292/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,418
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,640/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,280
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,556
−HK$280/mo
Today · 4.125%
HK$10,836
baseline
▲ 0.50% · 4.625%
HK$11,407
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,672/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,089
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,434
−HK$350/mo
Today · 4.125%
HK$11,784
baseline
▲ 0.50% · 4.625%
HK$12,501
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,568/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,336
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,667
−HK$336/mo
Today · 4.125%
HK$13,003
baseline
▲ 0.50% · 4.625%
HK$13,688
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,006/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,937
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$409/mo
Today · 4.125%
HK$13,748
baseline
▲ 0.50% · 4.625%
HK$14,585
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,496/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,392
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,778
−HK$392/mo
Today · 4.125%
HK$15,170
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,340/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,633
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$525/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,352/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,504
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$503/mo
Today · 4.125%
HK$19,504
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,008/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,602 · 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).