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$9,295
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$294/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,756/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,341
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,618
−HK$281/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,474
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,154
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$353/mo
Today · 4.125%
HK$11,854
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$721/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,708/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,409
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,742
−HK$337/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,769
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,158/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,013
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,418
−HK$411/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,671
+HK$842/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,658/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,477
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,865
−HK$394/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,064
+HK$805/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,518/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,731
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,252
−HK$528/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,862
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,613
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$506/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,653
+HK$1,034/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,371 · 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).