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$9,294
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,583
−HK$294/mo
Today · 4.125%
HK$9,877
baseline
▲ 0.50% · 4.625%
HK$10,478
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,754/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,339
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,616
−HK$282/mo
Today · 4.125%
HK$10,898
baseline
▲ 0.50% · 4.625%
HK$11,472
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,796/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,152
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$353/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,573
+HK$721/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,704/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,407
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$337/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,154/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,011
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,416
−HK$411/mo
Today · 4.125%
HK$13,827
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$842/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,654/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,475
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,863
−HK$394/mo
Today · 4.125%
HK$15,257
baseline
▲ 0.50% · 4.625%
HK$16,061
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,514/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,729
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,249
−HK$529/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,611
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$506/mo
Today · 4.125%
HK$19,616
baseline
▲ 0.50% · 4.625%
HK$20,650
+HK$1,034/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,232/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,250 · 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).