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$9,324
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,614
−HK$295/mo
Today · 4.125%
HK$9,909
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,818/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,373
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$282/mo
Today · 4.125%
HK$10,933
baseline
▲ 0.50% · 4.625%
HK$11,509
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,866/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,189
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,537
−HK$353/mo
Today · 4.125%
HK$11,890
baseline
▲ 0.50% · 4.625%
HK$12,614
+HK$724/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,780/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,447
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$339/mo
Today · 4.125%
HK$13,120
baseline
▲ 0.50% · 4.625%
HK$13,811
+HK$691/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,240/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,053
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,460
−HK$412/mo
Today · 4.125%
HK$13,872
baseline
▲ 0.50% · 4.625%
HK$14,716
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,744/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,522
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,911
−HK$395/mo
Today · 4.125%
HK$15,306
baseline
▲ 0.50% · 4.625%
HK$16,113
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,612/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,783
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,305
−HK$530/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,921
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,670/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,671
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,172
−HK$508/mo
Today · 4.125%
HK$19,680
baseline
▲ 0.50% · 4.625%
HK$20,717
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,360/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$17,895 · 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).