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$9,240
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,527
−HK$292/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,638/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,279
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,555
−HK$279/mo
Today · 4.125%
HK$10,834
baseline
▲ 0.50% · 4.625%
HK$11,405
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,668/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,088
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,432
−HK$351/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,566/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,335
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,666
−HK$335/mo
Today · 4.125%
HK$13,001
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,002/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,936
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,338
−HK$409/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,583
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,494/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,391
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$391/mo
Today · 4.125%
HK$15,168
baseline
▲ 0.50% · 4.625%
HK$15,968
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,336/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,631
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$525/mo
Today · 4.125%
HK$17,674
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,348/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,502
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,998
−HK$504/mo
Today · 4.125%
HK$19,502
baseline
▲ 0.50% · 4.625%
HK$20,530
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,004/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,505 · 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).