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$9,282
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,571
−HK$293/mo
Today · 4.125%
HK$9,864
baseline
▲ 0.50% · 4.625%
HK$10,464
+HK$600/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,728/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,326
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,603
−HK$281/mo
Today · 4.125%
HK$10,884
baseline
▲ 0.50% · 4.625%
HK$11,458
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,768/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,139
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,485
−HK$352/mo
Today · 4.125%
HK$11,837
baseline
▲ 0.50% · 4.625%
HK$12,557
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,674/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,392
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,724
−HK$337/mo
Today · 4.125%
HK$13,061
baseline
▲ 0.50% · 4.625%
HK$13,749
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,122/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,995
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,399
−HK$411/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,650
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,620/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,457
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,845
−HK$393/mo
Today · 4.125%
HK$15,238
baseline
▲ 0.50% · 4.625%
HK$16,041
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,476/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,708
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$528/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,836
+HK$1,080/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,512/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,587
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$506/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,624
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,230 · 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).