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$9,306
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,596
−HK$294/mo
Today · 4.125%
HK$9,890
baseline
▲ 0.50% · 4.625%
HK$10,492
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,780/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,353
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$282/mo
Today · 4.125%
HK$10,913
baseline
▲ 0.50% · 4.625%
HK$11,488
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,826/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,168
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,515
−HK$353/mo
Today · 4.125%
HK$11,868
baseline
▲ 0.50% · 4.625%
HK$12,590
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,736/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,424
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,757
−HK$338/mo
Today · 4.125%
HK$13,095
baseline
▲ 0.50% · 4.625%
HK$13,785
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,190/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,029
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,434
−HK$412/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,688
+HK$842/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,692/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,494
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$395/mo
Today · 4.125%
HK$15,278
baseline
▲ 0.50% · 4.625%
HK$16,083
+HK$805/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,556/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,751
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$530/mo
Today · 4.125%
HK$17,802
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$1,083/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,604/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$16,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,636
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,136
−HK$507/mo
Today · 4.125%
HK$19,643
baseline
▲ 0.50% · 4.625%
HK$20,678
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,286/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$16,354 · 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).