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$9,303
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,593
−HK$294/mo
Today · 4.125%
HK$9,887
baseline
▲ 0.50% · 4.625%
HK$10,488
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,774/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,350
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,627
−HK$282/mo
Today · 4.125%
HK$10,909
baseline
▲ 0.50% · 4.625%
HK$11,484
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,818/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,164
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,511
−HK$353/mo
Today · 4.125%
HK$11,864
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,728/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,420
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,753
−HK$338/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,781
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,182/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,024
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,430
−HK$411/mo
Today · 4.125%
HK$13,841
baseline
▲ 0.50% · 4.625%
HK$14,683
+HK$842/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,682/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,490
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,878
−HK$394/mo
Today · 4.125%
HK$15,272
baseline
▲ 0.50% · 4.625%
HK$16,077
+HK$805/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,544/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,746
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,267
−HK$529/mo
Today · 4.125%
HK$17,796
baseline
▲ 0.50% · 4.625%
HK$18,879
+HK$1,083/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,592/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$16,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,629
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,129
−HK$507/mo
Today · 4.125%
HK$19,636
baseline
▲ 0.50% · 4.625%
HK$20,671
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,272/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$16,075 · 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).