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$9,278
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$293/mo
Today · 4.125%
HK$9,860
baseline
▲ 0.50% · 4.625%
HK$10,460
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,720/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,322
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,599
−HK$281/mo
Today · 4.125%
HK$10,880
baseline
▲ 0.50% · 4.625%
HK$11,453
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,760/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,134
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$352/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,552
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,664/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,386
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,718
−HK$337/mo
Today · 4.125%
HK$13,055
baseline
▲ 0.50% · 4.625%
HK$13,744
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,110/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,989
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,393
−HK$411/mo
Today · 4.125%
HK$13,804
baseline
▲ 0.50% · 4.625%
HK$14,644
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,608/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,451
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,838
−HK$393/mo
Today · 4.125%
HK$15,231
baseline
▲ 0.50% · 4.625%
HK$16,034
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,462/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,701
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,220
−HK$528/mo
Today · 4.125%
HK$17,748
baseline
▲ 0.50% · 4.625%
HK$18,828
+HK$1,080/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,496/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,579
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,078
−HK$505/mo
Today · 4.125%
HK$19,583
baseline
▲ 0.50% · 4.625%
HK$20,615
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,166/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,883 · 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).