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$9,265
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,553
−HK$293/mo
Today · 4.125%
HK$9,846
baseline
▲ 0.50% · 4.625%
HK$10,445
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,692/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,307
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$280/mo
Today · 4.125%
HK$10,864
baseline
▲ 0.50% · 4.625%
HK$11,437
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,728/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,118
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$351/mo
Today · 4.125%
HK$11,815
baseline
▲ 0.50% · 4.625%
HK$12,534
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,630/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,369
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,700
−HK$337/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,724
+HK$687/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,074/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,971
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,374
−HK$410/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,623
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,568/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,430
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$393/mo
Today · 4.125%
HK$15,210
baseline
▲ 0.50% · 4.625%
HK$16,011
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,420/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,677
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,196
−HK$527/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,801
+HK$1,078/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,553
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,050
−HK$505/mo
Today · 4.125%
HK$19,555
baseline
▲ 0.50% · 4.625%
HK$20,586
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,110/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,719 · 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).