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$9,283
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,572
−HK$293/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,466
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,730/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,328
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,605
−HK$281/mo
Today · 4.125%
HK$10,886
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$573/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,772/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,140
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,486
−HK$353/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,559
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,678/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,393
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,725
−HK$338/mo
Today · 4.125%
HK$13,063
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,126/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,997
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,401
−HK$411/mo
Today · 4.125%
HK$13,812
baseline
▲ 0.50% · 4.625%
HK$14,652
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,624/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,459
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$394/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,480/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,710
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,230
−HK$528/mo
Today · 4.125%
HK$17,758
baseline
▲ 0.50% · 4.625%
HK$18,838
+HK$1,080/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,516/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,590
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,088
−HK$506/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,627
+HK$1,033/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,333 · 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).