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$9,257
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,545
−HK$293/mo
Today · 4.125%
HK$9,838
baseline
▲ 0.50% · 4.625%
HK$10,436
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,676/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,298
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,575
−HK$280/mo
Today · 4.125%
HK$10,855
baseline
▲ 0.50% · 4.625%
HK$11,427
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,710/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,108
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$351/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,523
+HK$718/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,610/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,358
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$337/mo
Today · 4.125%
HK$13,026
baseline
▲ 0.50% · 4.625%
HK$13,712
+HK$686/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,052/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,960
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,363
−HK$410/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,611
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,546/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,804
−HK$393/mo
Today · 4.125%
HK$15,197
baseline
▲ 0.50% · 4.625%
HK$15,998
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,394/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,663
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$527/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,785
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,416/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,537
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,034
−HK$505/mo
Today · 4.125%
HK$19,539
baseline
▲ 0.50% · 4.625%
HK$20,568
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,078/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,028 · 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).