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$9,315
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$294/mo
Today · 4.125%
HK$9,899
baseline
▲ 0.50% · 4.625%
HK$10,502
+HK$603/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,798/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,363
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,641
−HK$282/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,846/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,178
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$353/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,602
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,758/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,436
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,769
−HK$338/mo
Today · 4.125%
HK$13,107
baseline
▲ 0.50% · 4.625%
HK$13,798
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,214/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,041
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,447
−HK$412/mo
Today · 4.125%
HK$13,859
baseline
▲ 0.50% · 4.625%
HK$14,702
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,718/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,508
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,897
−HK$395/mo
Today · 4.125%
HK$15,292
baseline
▲ 0.50% · 4.625%
HK$16,098
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,584/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,767
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$530/mo
Today · 4.125%
HK$17,819
baseline
▲ 0.50% · 4.625%
HK$18,903
+HK$1,084/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,638/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,154
−HK$507/mo
Today · 4.125%
HK$19,661
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,037/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,322/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,125 · 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).