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$9,252
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,540
−HK$292/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,431
+HK$599/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$11,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,293
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$280/mo
Today · 4.125%
HK$10,849
baseline
▲ 0.50% · 4.625%
HK$11,421
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,698/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,103
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,448
−HK$351/mo
Today · 4.125%
HK$11,799
baseline
▲ 0.50% · 4.625%
HK$12,517
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,598/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,352
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$336/mo
Today · 4.125%
HK$13,019
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,038/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,953
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,356
−HK$409/mo
Today · 4.125%
HK$13,765
baseline
▲ 0.50% · 4.625%
HK$14,603
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,530/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,410
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,797
−HK$392/mo
Today · 4.125%
HK$15,189
baseline
▲ 0.50% · 4.625%
HK$15,989
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,378/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,654
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,172
−HK$526/mo
Today · 4.125%
HK$17,698
baseline
▲ 0.50% · 4.625%
HK$18,775
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,396/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,528
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$505/mo
Today · 4.125%
HK$19,529
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,058/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,614 · 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).