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$9,286
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$293/mo
Today · 4.125%
HK$9,868
baseline
▲ 0.50% · 4.625%
HK$10,469
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,736/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,330
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$281/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,463
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,778/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,143
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$352/mo
Today · 4.125%
HK$11,842
baseline
▲ 0.50% · 4.625%
HK$12,562
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,684/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,397
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,729
−HK$337/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,755
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,132/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,000
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,405
−HK$410/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,656
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,630/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,463
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,851
−HK$393/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,048
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,715
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$528/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,844
+HK$1,081/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,595
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$505/mo
Today · 4.125%
HK$19,599
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,034/mo
Deposit HK$407K · loan HK$3.67M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,561 · 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).