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$9,251
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,539
−HK$293/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,430
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,664/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,292
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,568
−HK$280/mo
Today · 4.125%
HK$10,848
baseline
▲ 0.50% · 4.625%
HK$11,420
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,696/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,102
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,447
−HK$351/mo
Today · 4.125%
HK$11,798
baseline
▲ 0.50% · 4.625%
HK$12,516
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,596/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,350
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$336/mo
Today · 4.125%
HK$13,018
baseline
▲ 0.50% · 4.625%
HK$13,704
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,036/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,952
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,355
−HK$409/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,602
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,528/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,409
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$392/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$15,988
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,374/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,652
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,170
−HK$527/mo
Today · 4.125%
HK$17,697
baseline
▲ 0.50% · 4.625%
HK$18,774
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,394/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,526
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$504/mo
Today · 4.125%
HK$19,527
baseline
▲ 0.50% · 4.625%
HK$20,556
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,054/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,533 · 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).