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$9,270
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,559
−HK$293/mo
Today · 4.125%
HK$9,852
baseline
▲ 0.50% · 4.625%
HK$10,451
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,704/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,313
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,590
−HK$280/mo
Today · 4.125%
HK$10,870
baseline
▲ 0.50% · 4.625%
HK$11,443
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,740/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,124
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,470
−HK$352/mo
Today · 4.125%
HK$11,822
baseline
▲ 0.50% · 4.625%
HK$12,541
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,644/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,376
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,708
−HK$336/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,732
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,088/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,979
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$410/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,584/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,438
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,826
−HK$393/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,021
+HK$802/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,438/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,687
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$527/mo
Today · 4.125%
HK$17,733
baseline
▲ 0.50% · 4.625%
HK$18,812
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,466/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,564
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$505/mo
Today · 4.125%
HK$19,567
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,031/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,134/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,199 · 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).