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$9,298
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,587
−HK$294/mo
Today · 4.125%
HK$9,881
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,762/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,344
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$282/mo
Today · 4.125%
HK$10,903
baseline
▲ 0.50% · 4.625%
HK$11,478
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,806/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,158
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,505
−HK$352/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,579
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,714/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,413
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,746
−HK$337/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,773
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,166/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,017
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,422
−HK$412/mo
Today · 4.125%
HK$13,834
baseline
▲ 0.50% · 4.625%
HK$14,675
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,668/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,482
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$394/mo
Today · 4.125%
HK$15,264
baseline
▲ 0.50% · 4.625%
HK$16,069
+HK$805/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,528/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,737
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,257
−HK$529/mo
Today · 4.125%
HK$17,786
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,572/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,619
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$506/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,660
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,631 · 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).