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$9,239
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,527
−HK$292/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,416
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,638/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,278
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,554
−HK$280/mo
Today · 4.125%
HK$10,834
baseline
▲ 0.50% · 4.625%
HK$11,405
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,668/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,087
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,432
−HK$350/mo
Today · 4.125%
HK$11,782
baseline
▲ 0.50% · 4.625%
HK$12,499
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,564/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,334
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,665
−HK$336/mo
Today · 4.125%
HK$13,001
baseline
▲ 0.50% · 4.625%
HK$13,686
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,002/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,935
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$409/mo
Today · 4.125%
HK$13,746
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,492/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,390
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,776
−HK$391/mo
Today · 4.125%
HK$15,167
baseline
▲ 0.50% · 4.625%
HK$15,967
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,334/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,631
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,148
−HK$525/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,749
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$504/mo
Today · 4.125%
HK$19,501
baseline
▲ 0.50% · 4.625%
HK$20,529
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,002/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,463 · 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).