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$9,314
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,604
−HK$295/mo
Today · 4.125%
HK$9,899
baseline
▲ 0.50% · 4.625%
HK$10,501
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,798/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,362
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,640
−HK$282/mo
Today · 4.125%
HK$10,922
baseline
▲ 0.50% · 4.625%
HK$11,498
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,844/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,177
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,525
−HK$353/mo
Today · 4.125%
HK$11,878
baseline
▲ 0.50% · 4.625%
HK$12,601
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,756/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,435
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,768
−HK$339/mo
Today · 4.125%
HK$13,107
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,214/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,040
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,446
−HK$412/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,716/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,507
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$395/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,582/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,766
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,288
−HK$529/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,902
+HK$1,085/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,652
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,152
−HK$508/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,696
+HK$1,036/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,069 · 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).