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$9,271
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$293/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,452
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,706/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,314
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$280/mo
Today · 4.125%
HK$10,871
baseline
▲ 0.50% · 4.625%
HK$11,444
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,742/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,126
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,472
−HK$351/mo
Today · 4.125%
HK$11,823
baseline
▲ 0.50% · 4.625%
HK$12,543
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,646/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,377
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,709
−HK$337/mo
Today · 4.125%
HK$13,046
baseline
▲ 0.50% · 4.625%
HK$13,733
+HK$687/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,092/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,980
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,384
−HK$410/mo
Today · 4.125%
HK$13,794
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,588/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,440
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$393/mo
Today · 4.125%
HK$15,220
baseline
▲ 0.50% · 4.625%
HK$16,022
+HK$802/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,440/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,688
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,207
−HK$528/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,814
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,566
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$506/mo
Today · 4.125%
HK$19,569
baseline
▲ 0.50% · 4.625%
HK$20,600
+HK$1,031/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,138/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,277 · 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).