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$9,313
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,602
−HK$295/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,499
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,794/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,360
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,638
−HK$282/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,840/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,175
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,523
−HK$353/mo
Today · 4.125%
HK$11,876
baseline
▲ 0.50% · 4.625%
HK$12,599
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,752/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,432
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,766
−HK$338/mo
Today · 4.125%
HK$13,104
baseline
▲ 0.50% · 4.625%
HK$13,795
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,208/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,038
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,443
−HK$412/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,699
+HK$844/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,505
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,894
−HK$394/mo
Today · 4.125%
HK$15,288
baseline
▲ 0.50% · 4.625%
HK$16,094
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,576/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,763
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,284
−HK$530/mo
Today · 4.125%
HK$17,814
baseline
▲ 0.50% · 4.625%
HK$18,898
+HK$1,084/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$35,628/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,649
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$507/mo
Today · 4.125%
HK$19,656
baseline
▲ 0.50% · 4.625%
HK$20,692
+HK$1,036/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$39,312/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$16,918 · 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).