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$9,292
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,581
−HK$293/mo
Today · 4.125%
HK$9,874
baseline
▲ 0.50% · 4.625%
HK$10,475
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,748/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,337
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,614
−HK$281/mo
Today · 4.125%
HK$10,895
baseline
▲ 0.50% · 4.625%
HK$11,470
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,790/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,150
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,497
−HK$352/mo
Today · 4.125%
HK$11,849
baseline
▲ 0.50% · 4.625%
HK$12,570
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,698/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,404
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,737
−HK$338/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,764
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,150/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,008
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,413
−HK$411/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,648/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,472
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,860
−HK$394/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,058
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,725
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,245
−HK$529/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,855
+HK$1,081/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$35,548/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,607
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$506/mo
Today · 4.125%
HK$19,612
baseline
▲ 0.50% · 4.625%
HK$20,646
+HK$1,034/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$39,224/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,074 · 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).