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$9,269
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,557
−HK$293/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,449
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,700/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,311
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$280/mo
Today · 4.125%
HK$10,868
baseline
▲ 0.50% · 4.625%
HK$11,441
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,736/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,122
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$352/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,539
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,640/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,373
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,705
−HK$337/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,729
+HK$687/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,084/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,976
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$410/mo
Today · 4.125%
HK$13,790
baseline
▲ 0.50% · 4.625%
HK$14,629
+HK$839/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,580/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,436
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,823
−HK$392/mo
Today · 4.125%
HK$15,215
baseline
▲ 0.50% · 4.625%
HK$16,018
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,430/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,202
−HK$528/mo
Today · 4.125%
HK$17,730
baseline
▲ 0.50% · 4.625%
HK$18,808
+HK$1,078/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,460/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,560
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,058
−HK$505/mo
Today · 4.125%
HK$19,563
baseline
▲ 0.50% · 4.625%
HK$20,594
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,126/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$13,037 · 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).