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$9,311
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,601
−HK$294/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,790/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,358
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,636
−HK$282/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,494
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,836/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,173
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,521
−HK$353/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,596
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,748/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,430
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,764
−HK$338/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,792
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,204/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,035
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,441
−HK$412/mo
Today · 4.125%
HK$13,853
baseline
▲ 0.50% · 4.625%
HK$14,696
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,706/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,502
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,891
−HK$394/mo
Today · 4.125%
HK$15,285
baseline
▲ 0.50% · 4.625%
HK$16,091
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,570/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,760
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$530/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,895
+HK$1,084/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,645
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,145
−HK$508/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,035/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,768 · 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).