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$9,263
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,551
−HK$293/mo
Today · 4.125%
HK$9,844
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,688/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,305
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,582
−HK$280/mo
Today · 4.125%
HK$10,862
baseline
▲ 0.50% · 4.625%
HK$11,434
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,724/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,116
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$351/mo
Today · 4.125%
HK$11,813
baseline
▲ 0.50% · 4.625%
HK$12,532
+HK$719/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,626/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,366
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,698
−HK$336/mo
Today · 4.125%
HK$13,034
baseline
▲ 0.50% · 4.625%
HK$13,721
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,068/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,968
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$410/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,620
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,564/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,427
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,814
−HK$393/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,008
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,414/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,674
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,192
−HK$527/mo
Today · 4.125%
HK$17,719
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$1,078/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,438/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,549
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,047
−HK$504/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,582
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,566 · 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).