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$9,280
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,569
−HK$293/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,462
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,724/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,324
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,601
−HK$281/mo
Today · 4.125%
HK$10,882
baseline
▲ 0.50% · 4.625%
HK$11,456
+HK$574/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,764/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,137
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,483
−HK$352/mo
Today · 4.125%
HK$11,835
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,670/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,389
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$337/mo
Today · 4.125%
HK$13,059
baseline
▲ 0.50% · 4.625%
HK$13,747
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,118/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,993
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,397
−HK$410/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,647
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,614/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,842
−HK$393/mo
Today · 4.125%
HK$15,235
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,470/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$528/mo
Today · 4.125%
HK$17,752
baseline
▲ 0.50% · 4.625%
HK$18,832
+HK$1,080/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,504/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,584
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$506/mo
Today · 4.125%
HK$19,588
baseline
▲ 0.50% · 4.625%
HK$20,620
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,176/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,082 · 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).