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$9,247
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,534
−HK$293/mo
Today · 4.125%
HK$9,827
baseline
▲ 0.50% · 4.625%
HK$10,424
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,654/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,287
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,563
−HK$280/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,414
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,686/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,096
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,441
−HK$351/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,509
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,584/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,344
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,675
−HK$336/mo
Today · 4.125%
HK$13,011
baseline
▲ 0.50% · 4.625%
HK$13,697
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,022/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,945
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,348
−HK$409/mo
Today · 4.125%
HK$13,757
baseline
▲ 0.50% · 4.625%
HK$14,594
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,514/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,402
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$392/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$15,980
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,644
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,162
−HK$526/mo
Today · 4.125%
HK$17,688
baseline
▲ 0.50% · 4.625%
HK$18,764
+HK$1,076/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,376/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,516
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,013
−HK$504/mo
Today · 4.125%
HK$19,517
baseline
▲ 0.50% · 4.625%
HK$20,545
+HK$1,028/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,034/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,122 · 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).