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$9,292
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,581
−HK$294/mo
Today · 4.125%
HK$9,875
baseline
▲ 0.50% · 4.625%
HK$10,476
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,750/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,338
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,615
−HK$281/mo
Today · 4.125%
HK$10,896
baseline
▲ 0.50% · 4.625%
HK$11,470
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,792/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,151
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,498
−HK$352/mo
Today · 4.125%
HK$11,850
baseline
▲ 0.50% · 4.625%
HK$12,571
+HK$721/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,700/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,405
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,738
−HK$337/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,765
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,150/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,009
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$411/mo
Today · 4.125%
HK$13,825
baseline
▲ 0.50% · 4.625%
HK$14,666
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,650/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$394/mo
Today · 4.125%
HK$15,255
baseline
▲ 0.50% · 4.625%
HK$16,059
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,510/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,726
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$529/mo
Today · 4.125%
HK$17,775
baseline
▲ 0.50% · 4.625%
HK$18,857
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,550/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,608
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,107
−HK$506/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,034/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,123 · 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).