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$9,257
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$293/mo
Today · 4.125%
HK$9,837
baseline
▲ 0.50% · 4.625%
HK$10,436
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,674/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,298
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,574
−HK$280/mo
Today · 4.125%
HK$10,854
baseline
▲ 0.50% · 4.625%
HK$11,426
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,708/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,108
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$351/mo
Today · 4.125%
HK$11,804
baseline
▲ 0.50% · 4.625%
HK$12,523
+HK$719/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,608/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$11,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,357
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$336/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,712
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,050/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$11,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,959
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,362
−HK$410/mo
Today · 4.125%
HK$13,772
baseline
▲ 0.50% · 4.625%
HK$14,610
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,544/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,417
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,804
−HK$392/mo
Today · 4.125%
HK$15,196
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,392/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,662
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,180
−HK$527/mo
Today · 4.125%
HK$17,707
baseline
▲ 0.50% · 4.625%
HK$18,784
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,414/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,536
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$504/mo
Today · 4.125%
HK$19,537
baseline
▲ 0.50% · 4.625%
HK$20,567
+HK$1,030/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,074/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,986 · 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).