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$9,320
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$295/mo
Today · 4.125%
HK$9,904
baseline
▲ 0.50% · 4.625%
HK$10,507
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,808/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,368
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,646
−HK$282/mo
Today · 4.125%
HK$10,928
baseline
▲ 0.50% · 4.625%
HK$11,504
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,856/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,183
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,531
−HK$354/mo
Today · 4.125%
HK$11,885
baseline
▲ 0.50% · 4.625%
HK$12,608
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,770/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,441
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$339/mo
Today · 4.125%
HK$13,114
baseline
▲ 0.50% · 4.625%
HK$13,805
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,228/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,047
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,453
−HK$412/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,709
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,730/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,515
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,904
−HK$395/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,106
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,598/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,775
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$530/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,912
+HK$1,085/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,654/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,662
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,163
−HK$507/mo
Today · 4.125%
HK$19,670
baseline
▲ 0.50% · 4.625%
HK$20,707
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,340/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,509 · 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).