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$9,312
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,601
−HK$295/mo
Today · 4.125%
HK$9,896
baseline
▲ 0.50% · 4.625%
HK$10,498
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,792/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,359
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,637
−HK$282/mo
Today · 4.125%
HK$10,919
baseline
▲ 0.50% · 4.625%
HK$11,494
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,838/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,174
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,522
−HK$353/mo
Today · 4.125%
HK$11,875
baseline
▲ 0.50% · 4.625%
HK$12,597
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,750/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,431
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,764
−HK$339/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,793
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,206/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,036
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,442
−HK$412/mo
Today · 4.125%
HK$13,854
baseline
▲ 0.50% · 4.625%
HK$14,697
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,708/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,503
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,892
−HK$394/mo
Today · 4.125%
HK$15,286
baseline
▲ 0.50% · 4.625%
HK$16,092
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,572/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,761
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,282
−HK$530/mo
Today · 4.125%
HK$17,812
baseline
▲ 0.50% · 4.625%
HK$18,896
+HK$1,084/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$35,624/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,646
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,147
−HK$507/mo
Today · 4.125%
HK$19,654
baseline
▲ 0.50% · 4.625%
HK$20,690
+HK$1,036/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$39,308/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,822 · 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).