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$9,316
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$294/mo
Today · 4.125%
HK$9,900
baseline
▲ 0.50% · 4.625%
HK$10,503
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,800/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,364
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$282/mo
Today · 4.125%
HK$10,924
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,848/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,179
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,527
−HK$353/mo
Today · 4.125%
HK$11,880
baseline
▲ 0.50% · 4.625%
HK$12,603
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,760/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,437
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$339/mo
Today · 4.125%
HK$13,109
baseline
▲ 0.50% · 4.625%
HK$13,800
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,218/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,042
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,448
−HK$412/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,704
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,720/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,510
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,899
−HK$395/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,100
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,769
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$529/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,905
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,640/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,655
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$507/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,206 · 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).