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$9,313
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$294/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,500
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,794/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,361
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,639
−HK$282/mo
Today · 4.125%
HK$10,921
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,842/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,176
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$353/mo
Today · 4.125%
HK$11,877
baseline
▲ 0.50% · 4.625%
HK$12,600
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,754/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,433
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$338/mo
Today · 4.125%
HK$13,105
baseline
▲ 0.50% · 4.625%
HK$13,796
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,210/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,039
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,444
−HK$412/mo
Today · 4.125%
HK$13,856
baseline
▲ 0.50% · 4.625%
HK$14,699
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,712/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,505
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,894
−HK$395/mo
Today · 4.125%
HK$15,289
baseline
▲ 0.50% · 4.625%
HK$16,095
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,578/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,764
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,286
−HK$529/mo
Today · 4.125%
HK$17,815
baseline
▲ 0.50% · 4.625%
HK$18,899
+HK$1,084/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$35,630/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,650
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,150
−HK$507/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,694
+HK$1,037/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,971 · 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).