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$585/mo
▼ 0.25% · 3.875%
HK$9,610
−HK$295/mo
Today · 4.125%
HK$9,905
baseline
▲ 0.50% · 4.625%
HK$10,507
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,810/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,369
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,647
−HK$282/mo
Today · 4.125%
HK$10,929
baseline
▲ 0.50% · 4.625%
HK$11,505
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,858/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,184
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$354/mo
Today · 4.125%
HK$11,886
baseline
▲ 0.50% · 4.625%
HK$12,609
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,772/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,443
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,776
−HK$339/mo
Today · 4.125%
HK$13,115
baseline
▲ 0.50% · 4.625%
HK$13,806
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,230/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,048
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,454
−HK$413/mo
Today · 4.125%
HK$13,867
baseline
▲ 0.50% · 4.625%
HK$14,710
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,734/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,516
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$395/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,107
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,602/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,777
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,298
−HK$531/mo
Today · 4.125%
HK$17,829
baseline
▲ 0.50% · 4.625%
HK$18,913
+HK$1,084/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,658/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,664
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,164
−HK$508/mo
Today · 4.125%
HK$19,672
baseline
▲ 0.50% · 4.625%
HK$20,709
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,344/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,581 · 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).