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$9,253
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$293/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,432
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,668/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,294
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,570
−HK$280/mo
Today · 4.125%
HK$10,850
baseline
▲ 0.50% · 4.625%
HK$11,422
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,700/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,104
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,449
−HK$351/mo
Today · 4.125%
HK$11,800
baseline
▲ 0.50% · 4.625%
HK$12,518
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,600/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,353
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,684
−HK$336/mo
Today · 4.125%
HK$13,020
baseline
▲ 0.50% · 4.625%
HK$13,707
+HK$687/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,040/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,955
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$409/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,534/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,412
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,798
−HK$392/mo
Today · 4.125%
HK$15,190
baseline
▲ 0.50% · 4.625%
HK$15,991
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,380/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,656
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,174
−HK$526/mo
Today · 4.125%
HK$17,700
baseline
▲ 0.50% · 4.625%
HK$18,777
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,400/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,529
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,026
−HK$505/mo
Today · 4.125%
HK$19,531
baseline
▲ 0.50% · 4.625%
HK$20,560
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,062/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,699 · 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).