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$9,283
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,571
−HK$294/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,465
+HK$600/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,730/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,327
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,604
−HK$281/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,458
+HK$573/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,770/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,139
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,486
−HK$352/mo
Today · 4.125%
HK$11,838
baseline
▲ 0.50% · 4.625%
HK$12,558
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,676/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,392
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,724
−HK$338/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,750
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,124/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,996
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,400
−HK$410/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,651
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,620/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,457
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,845
−HK$393/mo
Today · 4.125%
HK$15,238
baseline
▲ 0.50% · 4.625%
HK$16,042
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,476/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,709
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$528/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,837
+HK$1,081/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,512/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,087
−HK$505/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,625
+HK$1,033/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,265 · 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).