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$9,236
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$292/mo
Today · 4.125%
HK$9,815
baseline
▲ 0.50% · 4.625%
HK$10,412
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,630/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,274
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,550
−HK$280/mo
Today · 4.125%
HK$10,830
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$570/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,660/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,083
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$351/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,556/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,329
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,660
−HK$335/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,680
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,990/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,930
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$409/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,482/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,384
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$391/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,322/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,624
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,141
−HK$525/mo
Today · 4.125%
HK$17,666
baseline
▲ 0.50% · 4.625%
HK$18,741
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,332/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,494
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,990
−HK$503/mo
Today · 4.125%
HK$19,493
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$38,986/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,142 · 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).