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$9,319
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$294/mo
Today · 4.125%
HK$9,903
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,806/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,367
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,645
−HK$282/mo
Today · 4.125%
HK$10,927
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,854/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,182
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,530
−HK$354/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,607
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,768/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,440
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,774
−HK$338/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,804
+HK$692/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,224/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,046
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,452
−HK$412/mo
Today · 4.125%
HK$13,864
baseline
▲ 0.50% · 4.625%
HK$14,708
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,728/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,514
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,903
−HK$395/mo
Today · 4.125%
HK$15,298
baseline
▲ 0.50% · 4.625%
HK$16,104
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,596/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,774
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$531/mo
Today · 4.125%
HK$17,826
baseline
▲ 0.50% · 4.625%
HK$18,910
+HK$1,084/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,652/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,661
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,161
−HK$508/mo
Today · 4.125%
HK$19,669
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,036/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,338/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,438 · 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).