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$9,281
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$293/mo
Today · 4.125%
HK$9,863
baseline
▲ 0.50% · 4.625%
HK$10,463
+HK$600/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,726/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,325
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,602
−HK$281/mo
Today · 4.125%
HK$10,883
baseline
▲ 0.50% · 4.625%
HK$11,457
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,766/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,137
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,484
−HK$352/mo
Today · 4.125%
HK$11,836
baseline
▲ 0.50% · 4.625%
HK$12,556
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,672/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,390
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$337/mo
Today · 4.125%
HK$13,059
baseline
▲ 0.50% · 4.625%
HK$13,748
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,118/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,993
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,398
−HK$410/mo
Today · 4.125%
HK$13,808
baseline
▲ 0.50% · 4.625%
HK$14,648
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,616/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,455
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,843
−HK$393/mo
Today · 4.125%
HK$15,236
baseline
▲ 0.50% · 4.625%
HK$16,039
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,472/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,706
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$527/mo
Today · 4.125%
HK$17,753
baseline
▲ 0.50% · 4.625%
HK$18,834
+HK$1,081/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,506/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,585
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,084
−HK$505/mo
Today · 4.125%
HK$19,589
baseline
▲ 0.50% · 4.625%
HK$20,622
+HK$1,033/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,178/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,135 · 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).