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$9,269
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,557
−HK$293/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,449
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,700/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,311
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$281/mo
Today · 4.125%
HK$10,869
baseline
▲ 0.50% · 4.625%
HK$11,441
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,738/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,123
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$351/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,539
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,640/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,374
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,706
−HK$336/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,084/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,976
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$410/mo
Today · 4.125%
HK$13,790
baseline
▲ 0.50% · 4.625%
HK$14,629
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,580/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,436
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,823
−HK$393/mo
Today · 4.125%
HK$15,216
baseline
▲ 0.50% · 4.625%
HK$16,018
+HK$802/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,432/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,684
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$527/mo
Today · 4.125%
HK$17,730
baseline
▲ 0.50% · 4.625%
HK$18,809
+HK$1,079/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,460/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,561
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,058
−HK$505/mo
Today · 4.125%
HK$19,563
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,032/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,126/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,062 · 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).