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$9,276
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$293/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,458
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,716/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,320
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,597
−HK$280/mo
Today · 4.125%
HK$10,877
baseline
▲ 0.50% · 4.625%
HK$11,451
+HK$574/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,754/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,132
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,478
−HK$352/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,549
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,660/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,384
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,716
−HK$337/mo
Today · 4.125%
HK$13,053
baseline
▲ 0.50% · 4.625%
HK$13,741
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,106/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$410/mo
Today · 4.125%
HK$13,801
baseline
▲ 0.50% · 4.625%
HK$14,641
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,602/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,448
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,835
−HK$393/mo
Today · 4.125%
HK$15,228
baseline
▲ 0.50% · 4.625%
HK$16,031
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,456/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,697
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,217
−HK$528/mo
Today · 4.125%
HK$17,745
baseline
▲ 0.50% · 4.625%
HK$18,824
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,490/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,576
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,074
−HK$505/mo
Today · 4.125%
HK$19,579
baseline
▲ 0.50% · 4.625%
HK$20,611
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,158/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,724 · 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).