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$9,242
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$292/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,420
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,644/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,282
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$280/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,409
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,676/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,091
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$350/mo
Today · 4.125%
HK$11,786
baseline
▲ 0.50% · 4.625%
HK$12,504
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,572/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,338
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,669
−HK$336/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,691
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,010/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,939
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$409/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,502/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,395
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$392/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,636
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$526/mo
Today · 4.125%
HK$17,680
baseline
▲ 0.50% · 4.625%
HK$18,755
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,360/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,508
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,004
−HK$504/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,536
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,746 · 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).