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$9,322
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,612
−HK$294/mo
Today · 4.125%
HK$9,906
baseline
▲ 0.50% · 4.625%
HK$10,509
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,812/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,370
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,648
−HK$282/mo
Today · 4.125%
HK$10,930
baseline
▲ 0.50% · 4.625%
HK$11,507
+HK$577/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,860/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,186
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,534
−HK$353/mo
Today · 4.125%
HK$11,887
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$724/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,774/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,444
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,778
−HK$339/mo
Today · 4.125%
HK$13,117
baseline
▲ 0.50% · 4.625%
HK$13,808
+HK$691/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,234/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,050
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$413/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,738/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,518
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,908
−HK$395/mo
Today · 4.125%
HK$15,303
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,606/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,779
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$530/mo
Today · 4.125%
HK$17,831
baseline
▲ 0.50% · 4.625%
HK$18,916
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,662/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,666
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$508/mo
Today · 4.125%
HK$19,675
baseline
▲ 0.50% · 4.625%
HK$20,712
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,350/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,694 · 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).