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$9,304
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,594
−HK$294/mo
Today · 4.125%
HK$9,888
baseline
▲ 0.50% · 4.625%
HK$10,490
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,776/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,351
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,629
−HK$281/mo
Today · 4.125%
HK$10,910
baseline
▲ 0.50% · 4.625%
HK$11,485
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,820/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,165
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,513
−HK$352/mo
Today · 4.125%
HK$11,865
baseline
▲ 0.50% · 4.625%
HK$12,587
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,730/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,421
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,754
−HK$338/mo
Today · 4.125%
HK$13,092
baseline
▲ 0.50% · 4.625%
HK$13,782
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,184/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,026
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,431
−HK$412/mo
Today · 4.125%
HK$13,843
baseline
▲ 0.50% · 4.625%
HK$14,685
+HK$842/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,686/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,491
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,880
−HK$394/mo
Today · 4.125%
HK$15,274
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$806/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,548/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,269
−HK$529/mo
Today · 4.125%
HK$17,798
baseline
▲ 0.50% · 4.625%
HK$18,881
+HK$1,083/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,596/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$16,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,632
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,132
−HK$507/mo
Today · 4.125%
HK$19,639
baseline
▲ 0.50% · 4.625%
HK$20,674
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,278/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$16,185 · 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).