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$9,244
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,532
−HK$292/mo
Today · 4.125%
HK$9,824
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,648/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,284
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,560
−HK$280/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,411
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,680/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,093
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$350/mo
Today · 4.125%
HK$11,788
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$718/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$10,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,341
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$335/mo
Today · 4.125%
HK$13,007
baseline
▲ 0.50% · 4.625%
HK$13,693
+HK$686/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$10,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,942
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,344
−HK$409/mo
Today · 4.125%
HK$13,753
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,506/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,397
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$391/mo
Today · 4.125%
HK$15,175
baseline
▲ 0.50% · 4.625%
HK$15,975
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,350/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,639
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,157
−HK$526/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,511
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,007
−HK$504/mo
Today · 4.125%
HK$19,511
baseline
▲ 0.50% · 4.625%
HK$20,540
+HK$1,029/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,022/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,891 · 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).