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$9,286
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$294/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,469
+HK$600/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,738/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,331
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$281/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,463
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,778/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,144
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$352/mo
Today · 4.125%
HK$11,842
baseline
▲ 0.50% · 4.625%
HK$12,563
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,684/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,397
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$337/mo
Today · 4.125%
HK$13,067
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,134/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,001
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,405
−HK$411/mo
Today · 4.125%
HK$13,816
baseline
▲ 0.50% · 4.625%
HK$14,657
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,632/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,463
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,851
−HK$394/mo
Today · 4.125%
HK$15,245
baseline
▲ 0.50% · 4.625%
HK$16,048
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,490/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,715
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$528/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,844
+HK$1,081/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,596
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$506/mo
Today · 4.125%
HK$19,600
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,033/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$39,200/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,594 · 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).