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$9,289
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$294/mo
Today · 4.125%
HK$9,872
baseline
▲ 0.50% · 4.625%
HK$10,473
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,744/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,334
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$281/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,786/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,147
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,494
−HK$352/mo
Today · 4.125%
HK$11,846
baseline
▲ 0.50% · 4.625%
HK$12,567
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,692/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,401
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,734
−HK$337/mo
Today · 4.125%
HK$13,071
baseline
▲ 0.50% · 4.625%
HK$13,760
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,142/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,005
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,410
−HK$411/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,662
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,642/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,468
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,856
−HK$394/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,500/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,721
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,241
−HK$529/mo
Today · 4.125%
HK$17,770
baseline
▲ 0.50% · 4.625%
HK$18,851
+HK$1,081/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$35,540/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,602
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,101
−HK$506/mo
Today · 4.125%
HK$19,607
baseline
▲ 0.50% · 4.625%
HK$20,640
+HK$1,033/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$39,214/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,871 · 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).