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$9,261
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,549
−HK$292/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$12,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,302
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$280/mo
Today · 4.125%
HK$10,859
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,718/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,113
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,458
−HK$352/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,528
+HK$718/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,620/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,363
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,694
−HK$337/mo
Today · 4.125%
HK$13,031
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,062/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,965
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$410/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,616
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,556/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,423
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,810
−HK$393/mo
Today · 4.125%
HK$15,203
baseline
▲ 0.50% · 4.625%
HK$16,004
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,406/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,669
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,188
−HK$527/mo
Today · 4.125%
HK$17,715
baseline
▲ 0.50% · 4.625%
HK$18,792
+HK$1,077/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,430/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,544
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$504/mo
Today · 4.125%
HK$19,546
baseline
▲ 0.50% · 4.625%
HK$20,577
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,092/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,349 · 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).