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$9,257
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,545
−HK$293/mo
Today · 4.125%
HK$9,838
baseline
▲ 0.50% · 4.625%
HK$10,437
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,676/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,299
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,575
−HK$280/mo
Today · 4.125%
HK$10,855
baseline
▲ 0.50% · 4.625%
HK$11,427
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,710/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,109
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,455
−HK$351/mo
Today · 4.125%
HK$11,806
baseline
▲ 0.50% · 4.625%
HK$12,524
+HK$718/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$23,612/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,359
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,690
−HK$336/mo
Today · 4.125%
HK$13,026
baseline
▲ 0.50% · 4.625%
HK$13,713
+HK$687/mo
Deposit HK$1.62M · loan HK$2.44M · min. income ≈ HK$26,052/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,960
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$409/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,611
+HK$838/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,546/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$392/mo
Today · 4.125%
HK$15,197
baseline
▲ 0.50% · 4.625%
HK$15,998
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,394/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,663
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,182
−HK$526/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,786
+HK$1,078/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,416/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,538
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$504/mo
Today · 4.125%
HK$19,539
baseline
▲ 0.50% · 4.625%
HK$20,569
+HK$1,030/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,078/mo (50% DSR)
Upfront cash ≈ HK$418K (deposit + AVD stamp duty HK$12,068 · 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).