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$9,277
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,566
−HK$293/mo
Today · 4.125%
HK$9,859
baseline
▲ 0.50% · 4.625%
HK$10,459
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,718/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,321
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,598
−HK$280/mo
Today · 4.125%
HK$10,878
baseline
▲ 0.50% · 4.625%
HK$11,452
+HK$574/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,756/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,133
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,479
−HK$352/mo
Today · 4.125%
HK$11,831
baseline
▲ 0.50% · 4.625%
HK$12,551
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,662/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,385
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,717
−HK$337/mo
Today · 4.125%
HK$13,054
baseline
▲ 0.50% · 4.625%
HK$13,742
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,108/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,988
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,392
−HK$411/mo
Today · 4.125%
HK$13,803
baseline
▲ 0.50% · 4.625%
HK$14,643
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,606/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,449
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,837
−HK$393/mo
Today · 4.125%
HK$15,230
baseline
▲ 0.50% · 4.625%
HK$16,033
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,460/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,699
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,219
−HK$527/mo
Today · 4.125%
HK$17,746
baseline
▲ 0.50% · 4.625%
HK$18,826
+HK$1,080/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,492/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,578
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$505/mo
Today · 4.125%
HK$19,581
baseline
▲ 0.50% · 4.625%
HK$20,613
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,162/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,805 · 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).