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$9,254
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,542
−HK$292/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,433
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,668/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,295
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$280/mo
Today · 4.125%
HK$10,851
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,702/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,105
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$351/mo
Today · 4.125%
HK$11,801
baseline
▲ 0.50% · 4.625%
HK$12,519
+HK$718/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,602/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$11,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,354
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$336/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,708
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,042/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$11,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,956
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$409/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,536/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,413
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$392/mo
Today · 4.125%
HK$15,192
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,384/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,657
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,175
−HK$527/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,404/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,531
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$504/mo
Today · 4.125%
HK$19,532
baseline
▲ 0.50% · 4.625%
HK$20,562
+HK$1,030/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,064/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,767 · 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).