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$9,285
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,574
−HK$294/mo
Today · 4.125%
HK$9,868
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$600/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,736/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,330
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$281/mo
Today · 4.125%
HK$10,888
baseline
▲ 0.50% · 4.625%
HK$11,462
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,776/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,142
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$352/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,562
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,682/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,396
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$338/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,132/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,000
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,404
−HK$411/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,655
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,630/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$393/mo
Today · 4.125%
HK$15,243
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,486/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,714
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$528/mo
Today · 4.125%
HK$17,762
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$1,081/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,524/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,594
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$506/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,033/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,515 · 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).