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$9,249
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$293/mo
Today · 4.125%
HK$9,829
baseline
▲ 0.50% · 4.625%
HK$10,427
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,658/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,289
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$280/mo
Today · 4.125%
HK$10,845
baseline
▲ 0.50% · 4.625%
HK$11,417
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,690/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,098
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,444
−HK$350/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,512
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,588/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,347
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,678
−HK$336/mo
Today · 4.125%
HK$13,014
baseline
▲ 0.50% · 4.625%
HK$13,700
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,028/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,948
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$409/mo
Today · 4.125%
HK$13,760
baseline
▲ 0.50% · 4.625%
HK$14,597
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,520/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,405
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$392/mo
Today · 4.125%
HK$15,183
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,366/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,647
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$526/mo
Today · 4.125%
HK$17,691
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,382/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,520
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,017
−HK$504/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,290 · 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).