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$9,287
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,576
−HK$294/mo
Today · 4.125%
HK$9,870
baseline
▲ 0.50% · 4.625%
HK$10,470
+HK$600/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,740/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,332
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,609
−HK$281/mo
Today · 4.125%
HK$10,890
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,780/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,145
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$352/mo
Today · 4.125%
HK$11,844
baseline
▲ 0.50% · 4.625%
HK$12,565
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,688/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,399
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,731
−HK$338/mo
Today · 4.125%
HK$13,069
baseline
▲ 0.50% · 4.625%
HK$13,757
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,138/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,002
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,407
−HK$411/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,659
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,636/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,465
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,853
−HK$394/mo
Today · 4.125%
HK$15,247
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,494/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,717
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,237
−HK$529/mo
Today · 4.125%
HK$17,766
baseline
▲ 0.50% · 4.625%
HK$18,847
+HK$1,081/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$35,532/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,598
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,097
−HK$506/mo
Today · 4.125%
HK$19,603
baseline
▲ 0.50% · 4.625%
HK$20,636
+HK$1,033/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$39,206/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,698 · 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).