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$9,318
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$294/mo
Today · 4.125%
HK$9,902
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,804/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,366
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,644
−HK$282/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$576/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,852/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,181
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,529
−HK$353/mo
Today · 4.125%
HK$11,882
baseline
▲ 0.50% · 4.625%
HK$12,605
+HK$723/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,764/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,439
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$338/mo
Today · 4.125%
HK$13,111
baseline
▲ 0.50% · 4.625%
HK$13,802
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,222/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,045
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$412/mo
Today · 4.125%
HK$13,863
baseline
▲ 0.50% · 4.625%
HK$14,706
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,726/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,512
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,901
−HK$395/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,102
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,772
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$530/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$1,084/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,648/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$508/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,703
+HK$1,036/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,349 · 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).