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$9,240
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$292/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,640/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,280
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,555
−HK$280/mo
Today · 4.125%
HK$10,835
baseline
▲ 0.50% · 4.625%
HK$11,406
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,670/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,088
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$350/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,566/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,335
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,666
−HK$336/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,004/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,936
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$408/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,584
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,494/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,391
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$392/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$15,968
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,338/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,632
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,150
−HK$525/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,751
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,503
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,999
−HK$504/mo
Today · 4.125%
HK$19,503
baseline
▲ 0.50% · 4.625%
HK$20,531
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,006/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,545 · 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).