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$9,325
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$294/mo
Today · 4.125%
HK$9,909
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,818/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,374
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$282/mo
Today · 4.125%
HK$10,934
baseline
▲ 0.50% · 4.625%
HK$11,510
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,868/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,190
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,538
−HK$353/mo
Today · 4.125%
HK$11,891
baseline
▲ 0.50% · 4.625%
HK$12,615
+HK$724/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,782/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,448
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,782
−HK$339/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,812
+HK$691/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,242/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,054
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,460
−HK$413/mo
Today · 4.125%
HK$13,873
baseline
▲ 0.50% · 4.625%
HK$14,717
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,746/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,523
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$396/mo
Today · 4.125%
HK$15,308
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,616/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,784
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,306
−HK$531/mo
Today · 4.125%
HK$17,837
baseline
▲ 0.50% · 4.625%
HK$18,922
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,674/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,672
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,173
−HK$508/mo
Today · 4.125%
HK$19,681
baseline
▲ 0.50% · 4.625%
HK$20,719
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,362/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,955 · 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).