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$9,251
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,539
−HK$292/mo
Today · 4.125%
HK$9,831
baseline
▲ 0.50% · 4.625%
HK$10,429
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,662/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,292
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,568
−HK$280/mo
Today · 4.125%
HK$10,848
baseline
▲ 0.50% · 4.625%
HK$11,419
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,696/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,101
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,446
−HK$351/mo
Today · 4.125%
HK$11,797
baseline
▲ 0.50% · 4.625%
HK$12,515
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,594/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,350
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,681
−HK$336/mo
Today · 4.125%
HK$13,017
baseline
▲ 0.50% · 4.625%
HK$13,703
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,034/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,951
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$409/mo
Today · 4.125%
HK$13,763
baseline
▲ 0.50% · 4.625%
HK$14,601
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,526/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,408
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$392/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$15,987
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,374/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,652
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,170
−HK$526/mo
Today · 4.125%
HK$17,696
baseline
▲ 0.50% · 4.625%
HK$18,773
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,392/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,525
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,022
−HK$504/mo
Today · 4.125%
HK$19,526
baseline
▲ 0.50% · 4.625%
HK$20,555
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,052/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,491 · 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).