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$9,312
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,602
−HK$294/mo
Today · 4.125%
HK$9,896
baseline
▲ 0.50% · 4.625%
HK$10,498
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,792/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,360
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,638
−HK$281/mo
Today · 4.125%
HK$10,919
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,838/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,175
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,522
−HK$353/mo
Today · 4.125%
HK$11,875
baseline
▲ 0.50% · 4.625%
HK$12,598
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,750/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,432
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,765
−HK$338/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,206/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,037
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,443
−HK$412/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,698
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,504
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$394/mo
Today · 4.125%
HK$15,287
baseline
▲ 0.50% · 4.625%
HK$16,093
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,574/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,762
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,283
−HK$530/mo
Today · 4.125%
HK$17,813
baseline
▲ 0.50% · 4.625%
HK$18,897
+HK$1,084/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$35,626/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,647
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,148
−HK$507/mo
Today · 4.125%
HK$19,655
baseline
▲ 0.50% · 4.625%
HK$20,691
+HK$1,036/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$39,310/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,864 · 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).