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$9,254
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$293/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,432
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,668/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,294
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$280/mo
Today · 4.125%
HK$10,851
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,702/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,104
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$351/mo
Today · 4.125%
HK$11,801
baseline
▲ 0.50% · 4.625%
HK$12,519
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,602/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,353
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$336/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,707
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,042/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,955
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$409/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,534/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,412
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,799
−HK$392/mo
Today · 4.125%
HK$15,191
baseline
▲ 0.50% · 4.625%
HK$15,992
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,382/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,656
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,174
−HK$527/mo
Today · 4.125%
HK$17,701
baseline
▲ 0.50% · 4.625%
HK$18,778
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,402/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,530
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,027
−HK$504/mo
Today · 4.125%
HK$19,531
baseline
▲ 0.50% · 4.625%
HK$20,561
+HK$1,030/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,062/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,721 · 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).