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$9,237
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,524
−HK$292/mo
Today · 4.125%
HK$9,816
baseline
▲ 0.50% · 4.625%
HK$10,414
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,632/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,276
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,552
−HK$279/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,662/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,084
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$350/mo
Today · 4.125%
HK$11,779
baseline
▲ 0.50% · 4.625%
HK$12,496
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,558/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,331
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,662
−HK$335/mo
Today · 4.125%
HK$12,997
baseline
▲ 0.50% · 4.625%
HK$13,683
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,994/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,932
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,334
−HK$409/mo
Today · 4.125%
HK$13,743
baseline
▲ 0.50% · 4.625%
HK$14,579
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,486/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,386
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$392/mo
Today · 4.125%
HK$15,164
baseline
▲ 0.50% · 4.625%
HK$15,963
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,328/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,627
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$525/mo
Today · 4.125%
HK$17,669
baseline
▲ 0.50% · 4.625%
HK$18,744
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,338/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,497
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,993
−HK$503/mo
Today · 4.125%
HK$19,496
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$38,992/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,270 · 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).