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$9,273
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,561
−HK$293/mo
Today · 4.125%
HK$9,854
baseline
▲ 0.50% · 4.625%
HK$10,454
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,708/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,316
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,593
−HK$280/mo
Today · 4.125%
HK$10,873
baseline
▲ 0.50% · 4.625%
HK$11,446
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,746/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,127
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,473
−HK$352/mo
Today · 4.125%
HK$11,825
baseline
▲ 0.50% · 4.625%
HK$12,545
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,650/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,379
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,711
−HK$337/mo
Today · 4.125%
HK$13,048
baseline
▲ 0.50% · 4.625%
HK$13,736
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,096/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,982
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,386
−HK$410/mo
Today · 4.125%
HK$13,796
baseline
▲ 0.50% · 4.625%
HK$14,635
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,592/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,442
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,830
−HK$392/mo
Today · 4.125%
HK$15,222
baseline
▲ 0.50% · 4.625%
HK$16,025
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,444/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,691
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,210
−HK$528/mo
Today · 4.125%
HK$17,738
baseline
▲ 0.50% · 4.625%
HK$18,817
+HK$1,079/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,476/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,569
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,067
−HK$505/mo
Today · 4.125%
HK$19,572
baseline
▲ 0.50% · 4.625%
HK$20,603
+HK$1,031/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,144/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,409 · 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).