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$9,243
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$292/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,420
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,644/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,282
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$280/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,409
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,676/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,091
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$351/mo
Today · 4.125%
HK$11,787
baseline
▲ 0.50% · 4.625%
HK$12,504
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,574/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,339
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,670
−HK$335/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,691
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,010/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,940
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$409/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,588
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,502/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,395
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$392/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$15,973
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$526/mo
Today · 4.125%
HK$17,680
baseline
▲ 0.50% · 4.625%
HK$18,756
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,360/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,508
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,004
−HK$504/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,536
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,762 · 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).