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$9,312
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,602
−HK$294/mo
Today · 4.125%
HK$9,896
baseline
▲ 0.50% · 4.625%
HK$10,499
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,792/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,360
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,638
−HK$282/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,840/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,175
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,523
−HK$353/mo
Today · 4.125%
HK$11,876
baseline
▲ 0.50% · 4.625%
HK$12,598
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,752/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,432
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,765
−HK$339/mo
Today · 4.125%
HK$13,104
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,208/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,037
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,443
−HK$412/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,698
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,504
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$395/mo
Today · 4.125%
HK$15,288
baseline
▲ 0.50% · 4.625%
HK$16,093
+HK$805/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,576/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,762
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,284
−HK$530/mo
Today · 4.125%
HK$17,814
baseline
▲ 0.50% · 4.625%
HK$18,898
+HK$1,084/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$35,628/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,648
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,148
−HK$508/mo
Today · 4.125%
HK$19,656
baseline
▲ 0.50% · 4.625%
HK$20,692
+HK$1,036/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$39,312/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,892 · 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).