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$9,267
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$293/mo
Today · 4.125%
HK$9,849
baseline
▲ 0.50% · 4.625%
HK$10,448
+HK$599/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$12,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,310
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,586
−HK$281/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,440
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,734/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$12,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,121
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,467
−HK$351/mo
Today · 4.125%
HK$11,818
baseline
▲ 0.50% · 4.625%
HK$12,537
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,636/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,372
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,704
−HK$336/mo
Today · 4.125%
HK$13,040
baseline
▲ 0.50% · 4.625%
HK$13,728
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,080/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,974
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$410/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,627
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,576/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,821
−HK$393/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,016
+HK$802/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,428/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,681
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$527/mo
Today · 4.125%
HK$17,727
baseline
▲ 0.50% · 4.625%
HK$18,806
+HK$1,079/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,454/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,055
−HK$505/mo
Today · 4.125%
HK$19,560
baseline
▲ 0.50% · 4.625%
HK$20,591
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,938 · 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).