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$9,235
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,522
−HK$292/mo
Today · 4.125%
HK$9,814
baseline
▲ 0.50% · 4.625%
HK$10,411
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,628/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,274
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,550
−HK$279/mo
Today · 4.125%
HK$10,829
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,658/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,082
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$350/mo
Today · 4.125%
HK$11,777
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,554/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,329
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,659
−HK$336/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,680
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,990/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,929
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$409/mo
Today · 4.125%
HK$13,740
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,480/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,384
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,769
−HK$392/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,322/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,623
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,140
−HK$526/mo
Today · 4.125%
HK$17,666
baseline
▲ 0.50% · 4.625%
HK$18,741
+HK$1,075/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,332/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,989
−HK$503/mo
Today · 4.125%
HK$19,492
baseline
▲ 0.50% · 4.625%
HK$20,520
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$38,984/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,106 · 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).