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$9,301
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,590
−HK$294/mo
Today · 4.125%
HK$9,884
baseline
▲ 0.50% · 4.625%
HK$10,486
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,768/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$15,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,347
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,625
−HK$281/mo
Today · 4.125%
HK$10,906
baseline
▲ 0.50% · 4.625%
HK$11,481
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,812/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$15,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,161
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,508
−HK$353/mo
Today · 4.125%
HK$11,861
baseline
▲ 0.50% · 4.625%
HK$12,583
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,722/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,417
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,750
−HK$338/mo
Today · 4.125%
HK$13,088
baseline
▲ 0.50% · 4.625%
HK$13,777
+HK$689/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,176/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,021
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,426
−HK$412/mo
Today · 4.125%
HK$13,838
baseline
▲ 0.50% · 4.625%
HK$14,680
+HK$842/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,676/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,486
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,875
−HK$394/mo
Today · 4.125%
HK$15,269
baseline
▲ 0.50% · 4.625%
HK$16,074
+HK$805/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,538/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,742
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,263
−HK$529/mo
Today · 4.125%
HK$17,792
baseline
▲ 0.50% · 4.625%
HK$18,874
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,584/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$15,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,625
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,125
−HK$506/mo
Today · 4.125%
HK$19,631
baseline
▲ 0.50% · 4.625%
HK$20,666
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,262/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$15,889 · 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).