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$9,238
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,525
−HK$292/mo
Today · 4.125%
HK$9,817
baseline
▲ 0.50% · 4.625%
HK$10,414
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,634/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,277
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$279/mo
Today · 4.125%
HK$10,832
baseline
▲ 0.50% · 4.625%
HK$11,403
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,664/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,085
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,430
−HK$351/mo
Today · 4.125%
HK$11,781
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,562/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,332
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,663
−HK$336/mo
Today · 4.125%
HK$12,999
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,998/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,933
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$409/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,580
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,774
−HK$391/mo
Today · 4.125%
HK$15,165
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,330/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,628
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,145
−HK$526/mo
Today · 4.125%
HK$17,671
baseline
▲ 0.50% · 4.625%
HK$18,746
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,342/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,499
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,995
−HK$503/mo
Today · 4.125%
HK$19,498
baseline
▲ 0.50% · 4.625%
HK$20,526
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$38,996/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,342 · 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).