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$9,262
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$293/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,442
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,686/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,304
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,581
−HK$280/mo
Today · 4.125%
HK$10,861
baseline
▲ 0.50% · 4.625%
HK$11,433
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,722/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,115
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$352/mo
Today · 4.125%
HK$11,812
baseline
▲ 0.50% · 4.625%
HK$12,530
+HK$718/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,624/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,365
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,697
−HK$336/mo
Today · 4.125%
HK$13,033
baseline
▲ 0.50% · 4.625%
HK$13,720
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,066/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,967
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$409/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,619
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,813
−HK$392/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,007
+HK$802/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,410/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,672
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,191
−HK$527/mo
Today · 4.125%
HK$17,718
baseline
▲ 0.50% · 4.625%
HK$18,796
+HK$1,078/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,436/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,548
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,045
−HK$505/mo
Today · 4.125%
HK$19,550
baseline
▲ 0.50% · 4.625%
HK$20,580
+HK$1,030/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,100/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,491 · 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).