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$9,245
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,533
−HK$292/mo
Today · 4.125%
HK$9,825
baseline
▲ 0.50% · 4.625%
HK$10,423
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,650/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,285
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,561
−HK$280/mo
Today · 4.125%
HK$10,841
baseline
▲ 0.50% · 4.625%
HK$11,412
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,682/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,094
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,439
−HK$351/mo
Today · 4.125%
HK$11,790
baseline
▲ 0.50% · 4.625%
HK$12,507
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,580/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,342
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$336/mo
Today · 4.125%
HK$13,009
baseline
▲ 0.50% · 4.625%
HK$13,695
+HK$686/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,018/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,943
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,346
−HK$409/mo
Today · 4.125%
HK$13,755
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,510/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,399
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$391/mo
Today · 4.125%
HK$15,177
baseline
▲ 0.50% · 4.625%
HK$15,977
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,354/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,641
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$526/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,513
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$504/mo
Today · 4.125%
HK$19,514
baseline
▲ 0.50% · 4.625%
HK$20,542
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$39,028/mo (50% DSR)
Upfront cash ≈ HK$416K (deposit + AVD stamp duty HK$10,997 · 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).