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$9,285
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,574
−HK$293/mo
Today · 4.125%
HK$9,867
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,734/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,330
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$281/mo
Today · 4.125%
HK$10,888
baseline
▲ 0.50% · 4.625%
HK$11,462
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,776/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,142
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$352/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,561
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,682/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,395
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$337/mo
Today · 4.125%
HK$13,065
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,130/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,999
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,403
−HK$411/mo
Today · 4.125%
HK$13,814
baseline
▲ 0.50% · 4.625%
HK$14,655
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,628/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,461
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,849
−HK$394/mo
Today · 4.125%
HK$15,243
baseline
▲ 0.50% · 4.625%
HK$16,046
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,486/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,713
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,233
−HK$528/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,842
+HK$1,081/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$506/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,033/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,490 · 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).