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$9,296
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,585
−HK$294/mo
Today · 4.125%
HK$9,879
baseline
▲ 0.50% · 4.625%
HK$10,480
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,758/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,342
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,619
−HK$282/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,475
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,802/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,155
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$353/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,576
+HK$721/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,710/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,410
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,743
−HK$338/mo
Today · 4.125%
HK$13,081
baseline
▲ 0.50% · 4.625%
HK$13,770
+HK$689/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,162/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,015
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,419
−HK$412/mo
Today · 4.125%
HK$13,831
baseline
▲ 0.50% · 4.625%
HK$14,672
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,662/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,479
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,867
−HK$394/mo
Today · 4.125%
HK$15,261
baseline
▲ 0.50% · 4.625%
HK$16,065
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,522/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,733
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,253
−HK$529/mo
Today · 4.125%
HK$17,782
baseline
▲ 0.50% · 4.625%
HK$18,864
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,564/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,615
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,114
−HK$507/mo
Today · 4.125%
HK$19,621
baseline
▲ 0.50% · 4.625%
HK$20,655
+HK$1,034/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,242/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,454 · 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).