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$9,254
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,542
−HK$293/mo
Today · 4.125%
HK$9,835
baseline
▲ 0.50% · 4.625%
HK$10,433
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,670/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,295
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$281/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,424
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,704/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,105
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$351/mo
Today · 4.125%
HK$11,802
baseline
▲ 0.50% · 4.625%
HK$12,520
+HK$718/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,604/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$11,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,354
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,686
−HK$336/mo
Today · 4.125%
HK$13,022
baseline
▲ 0.50% · 4.625%
HK$13,708
+HK$686/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,044/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$11,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,956
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$409/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,536/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,413
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$392/mo
Today · 4.125%
HK$15,192
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,384/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,658
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$526/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,404/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,532
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$504/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,562
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,066/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,789 · 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).