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$9,268
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$293/mo
Today · 4.125%
HK$9,849
baseline
▲ 0.50% · 4.625%
HK$10,449
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,698/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,311
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,587
−HK$281/mo
Today · 4.125%
HK$10,868
baseline
▲ 0.50% · 4.625%
HK$11,441
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,736/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,122
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$351/mo
Today · 4.125%
HK$11,819
baseline
▲ 0.50% · 4.625%
HK$12,538
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,638/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,373
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,705
−HK$336/mo
Today · 4.125%
HK$13,041
baseline
▲ 0.50% · 4.625%
HK$13,729
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,082/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,975
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,379
−HK$410/mo
Today · 4.125%
HK$13,789
baseline
▲ 0.50% · 4.625%
HK$14,628
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,578/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,435
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,822
−HK$393/mo
Today · 4.125%
HK$15,215
baseline
▲ 0.50% · 4.625%
HK$16,017
+HK$802/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,430/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,201
−HK$528/mo
Today · 4.125%
HK$17,729
baseline
▲ 0.50% · 4.625%
HK$18,807
+HK$1,078/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,458/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$13,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,559
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,057
−HK$505/mo
Today · 4.125%
HK$19,562
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,124/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$13,000 · 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).