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$9,256
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$292/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,435
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,672/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,297
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,573
−HK$280/mo
Today · 4.125%
HK$10,853
baseline
▲ 0.50% · 4.625%
HK$11,425
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,706/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,107
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,452
−HK$351/mo
Today · 4.125%
HK$11,803
baseline
▲ 0.50% · 4.625%
HK$12,522
+HK$719/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,606/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$11,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,356
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$336/mo
Today · 4.125%
HK$13,024
baseline
▲ 0.50% · 4.625%
HK$13,710
+HK$686/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,048/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$11,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,958
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,361
−HK$410/mo
Today · 4.125%
HK$13,771
baseline
▲ 0.50% · 4.625%
HK$14,609
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,542/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,416
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$393/mo
Today · 4.125%
HK$15,195
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,390/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,660
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,179
−HK$526/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,782
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,534
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,032
−HK$504/mo
Today · 4.125%
HK$19,536
baseline
▲ 0.50% · 4.625%
HK$20,566
+HK$1,030/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,072/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$11,918 · 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).