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$9,243
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$292/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,646/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,283
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$280/mo
Today · 4.125%
HK$10,839
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,678/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,092
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,437
−HK$351/mo
Today · 4.125%
HK$11,788
baseline
▲ 0.50% · 4.625%
HK$12,505
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,576/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,340
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,671
−HK$336/mo
Today · 4.125%
HK$13,007
baseline
▲ 0.50% · 4.625%
HK$13,692
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,014/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,941
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$409/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,589
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,504/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,397
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,783
−HK$391/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,638
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$526/mo
Today · 4.125%
HK$17,682
baseline
▲ 0.50% · 4.625%
HK$18,758
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,364/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,510
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,006
−HK$504/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,538
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,842 · 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).