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$9,274
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,562
−HK$293/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,710/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,317
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$280/mo
Today · 4.125%
HK$10,874
baseline
▲ 0.50% · 4.625%
HK$11,448
+HK$574/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,748/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,129
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,475
−HK$351/mo
Today · 4.125%
HK$11,826
baseline
▲ 0.50% · 4.625%
HK$12,546
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,652/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,380
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$336/mo
Today · 4.125%
HK$13,049
baseline
▲ 0.50% · 4.625%
HK$13,737
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,098/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$411/mo
Today · 4.125%
HK$13,798
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,596/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,444
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$393/mo
Today · 4.125%
HK$15,224
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,448/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,693
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,212
−HK$528/mo
Today · 4.125%
HK$17,740
baseline
▲ 0.50% · 4.625%
HK$18,819
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,480/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,571
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$505/mo
Today · 4.125%
HK$19,574
baseline
▲ 0.50% · 4.625%
HK$20,606
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,148/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,504 · 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).