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$580/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$292/mo
Today · 4.125%
HK$9,842
baseline
▲ 0.50% · 4.625%
HK$10,441
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,684/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,303
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,580
−HK$280/mo
Today · 4.125%
HK$10,860
baseline
▲ 0.50% · 4.625%
HK$11,432
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,720/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,114
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$351/mo
Today · 4.125%
HK$11,811
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$718/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,622/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,364
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,696
−HK$336/mo
Today · 4.125%
HK$13,032
baseline
▲ 0.50% · 4.625%
HK$13,719
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,064/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,966
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$410/mo
Today · 4.125%
HK$13,779
baseline
▲ 0.50% · 4.625%
HK$14,618
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,558/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,425
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$392/mo
Today · 4.125%
HK$15,204
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,408/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,671
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,189
−HK$527/mo
Today · 4.125%
HK$17,716
baseline
▲ 0.50% · 4.625%
HK$18,794
+HK$1,078/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,432/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,546
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,043
−HK$505/mo
Today · 4.125%
HK$19,548
baseline
▲ 0.50% · 4.625%
HK$20,578
+HK$1,030/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,096/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,425 · 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).