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$9,309
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$294/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,494
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,784/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,356
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,633
−HK$282/mo
Today · 4.125%
HK$10,915
baseline
▲ 0.50% · 4.625%
HK$11,491
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,830/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,170
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$353/mo
Today · 4.125%
HK$11,871
baseline
▲ 0.50% · 4.625%
HK$12,593
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,742/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,427
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$338/mo
Today · 4.125%
HK$13,098
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,196/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,032
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,437
−HK$412/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,692
+HK$843/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,698/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,498
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,887
−HK$394/mo
Today · 4.125%
HK$15,281
baseline
▲ 0.50% · 4.625%
HK$16,087
+HK$806/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,562/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,755
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$529/mo
Today · 4.125%
HK$17,806
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$1,084/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,612/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,640
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$507/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,683
+HK$1,036/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,549 · 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).