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$9,246
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,534
−HK$292/mo
Today · 4.125%
HK$9,826
baseline
▲ 0.50% · 4.625%
HK$10,424
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,652/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,286
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,562
−HK$280/mo
Today · 4.125%
HK$10,842
baseline
▲ 0.50% · 4.625%
HK$11,413
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,684/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,095
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,440
−HK$351/mo
Today · 4.125%
HK$11,791
baseline
▲ 0.50% · 4.625%
HK$12,509
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,582/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,343
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,674
−HK$336/mo
Today · 4.125%
HK$13,010
baseline
▲ 0.50% · 4.625%
HK$13,696
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,020/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,945
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,347
−HK$409/mo
Today · 4.125%
HK$13,756
baseline
▲ 0.50% · 4.625%
HK$14,593
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,512/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,401
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,787
−HK$392/mo
Today · 4.125%
HK$15,179
baseline
▲ 0.50% · 4.625%
HK$15,979
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,358/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,643
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,161
−HK$526/mo
Today · 4.125%
HK$17,687
baseline
▲ 0.50% · 4.625%
HK$18,763
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,374/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,515
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,012
−HK$503/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,544
+HK$1,029/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,068 · 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).