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$9,264
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,552
−HK$293/mo
Today · 4.125%
HK$9,845
baseline
▲ 0.50% · 4.625%
HK$10,444
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,690/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,306
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,583
−HK$280/mo
Today · 4.125%
HK$10,863
baseline
▲ 0.50% · 4.625%
HK$11,436
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,726/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,117
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,463
−HK$351/mo
Today · 4.125%
HK$11,814
baseline
▲ 0.50% · 4.625%
HK$12,533
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,628/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,368
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,699
−HK$337/mo
Today · 4.125%
HK$13,036
baseline
▲ 0.50% · 4.625%
HK$13,723
+HK$687/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,072/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,970
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$410/mo
Today · 4.125%
HK$13,783
baseline
▲ 0.50% · 4.625%
HK$14,622
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,566/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,429
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,816
−HK$393/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,010
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,418/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,676
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,194
−HK$527/mo
Today · 4.125%
HK$17,721
baseline
▲ 0.50% · 4.625%
HK$18,800
+HK$1,079/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,442/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,552
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,049
−HK$505/mo
Today · 4.125%
HK$19,554
baseline
▲ 0.50% · 4.625%
HK$20,585
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,108/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,668 · 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).