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$9,260
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,548
−HK$293/mo
Today · 4.125%
HK$9,841
baseline
▲ 0.50% · 4.625%
HK$10,440
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,682/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,302
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,578
−HK$280/mo
Today · 4.125%
HK$10,858
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,716/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,112
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,458
−HK$351/mo
Today · 4.125%
HK$11,809
baseline
▲ 0.50% · 4.625%
HK$12,528
+HK$719/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,618/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,362
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,694
−HK$336/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,717
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,060/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,964
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$409/mo
Today · 4.125%
HK$13,777
baseline
▲ 0.50% · 4.625%
HK$14,616
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,554/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,423
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,809
−HK$393/mo
Today · 4.125%
HK$15,202
baseline
▲ 0.50% · 4.625%
HK$16,003
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,404/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,668
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,187
−HK$527/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,791
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,428/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,543
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,041
−HK$504/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,030/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,308 · 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).