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$9,310
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,599
−HK$294/mo
Today · 4.125%
HK$9,893
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,786/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,357
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,635
−HK$281/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,492
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,832/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,172
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,519
−HK$353/mo
Today · 4.125%
HK$11,872
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,744/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,428
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$338/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,790
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,033
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,439
−HK$412/mo
Today · 4.125%
HK$13,851
baseline
▲ 0.50% · 4.625%
HK$14,694
+HK$843/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,702/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,500
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,889
−HK$394/mo
Today · 4.125%
HK$15,283
baseline
▲ 0.50% · 4.625%
HK$16,089
+HK$806/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,566/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,757
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$529/mo
Today · 4.125%
HK$17,808
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$1,084/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,616/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,642
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,142
−HK$508/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,685
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,644 · 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).