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$9,261
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,549
−HK$293/mo
Today · 4.125%
HK$9,842
baseline
▲ 0.50% · 4.625%
HK$10,440
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,684/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,303
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$280/mo
Today · 4.125%
HK$10,859
baseline
▲ 0.50% · 4.625%
HK$11,432
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,718/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,113
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,459
−HK$351/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$719/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,620/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,363
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,695
−HK$336/mo
Today · 4.125%
HK$13,031
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,062/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,965
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$409/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,617
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,556/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,424
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,811
−HK$392/mo
Today · 4.125%
HK$15,203
baseline
▲ 0.50% · 4.625%
HK$16,004
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,406/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,670
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,188
−HK$527/mo
Today · 4.125%
HK$17,715
baseline
▲ 0.50% · 4.625%
HK$18,793
+HK$1,078/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,430/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,545
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$505/mo
Today · 4.125%
HK$19,547
baseline
▲ 0.50% · 4.625%
HK$20,577
+HK$1,030/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,094/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,367 · 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).