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$9,309
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$295/mo
Today · 4.125%
HK$9,893
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,786/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,356
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,634
−HK$282/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,491
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,832/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,171
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$353/mo
Today · 4.125%
HK$11,871
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,742/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,427
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,761
−HK$338/mo
Today · 4.125%
HK$13,099
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,198/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,033
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,438
−HK$412/mo
Today · 4.125%
HK$13,850
baseline
▲ 0.50% · 4.625%
HK$14,692
+HK$842/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,700/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,499
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,887
−HK$395/mo
Today · 4.125%
HK$15,282
baseline
▲ 0.50% · 4.625%
HK$16,087
+HK$805/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,564/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,756
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$530/mo
Today · 4.125%
HK$17,807
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$1,083/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,614/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,641
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,141
−HK$507/mo
Today · 4.125%
HK$19,648
baseline
▲ 0.50% · 4.625%
HK$20,684
+HK$1,036/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,296/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,581 · 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).