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$9,266
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,554
−HK$293/mo
Today · 4.125%
HK$9,847
baseline
▲ 0.50% · 4.625%
HK$10,446
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,694/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,308
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$281/mo
Today · 4.125%
HK$10,865
baseline
▲ 0.50% · 4.625%
HK$11,437
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,730/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,119
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$352/mo
Today · 4.125%
HK$11,816
baseline
▲ 0.50% · 4.625%
HK$12,535
+HK$719/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,632/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,369
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,701
−HK$337/mo
Today · 4.125%
HK$13,038
baseline
▲ 0.50% · 4.625%
HK$13,725
+HK$687/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,076/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,972
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,375
−HK$410/mo
Today · 4.125%
HK$13,785
baseline
▲ 0.50% · 4.625%
HK$14,624
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,570/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,431
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,818
−HK$393/mo
Today · 4.125%
HK$15,211
baseline
▲ 0.50% · 4.625%
HK$16,012
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,422/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,678
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,197
−HK$527/mo
Today · 4.125%
HK$17,724
baseline
▲ 0.50% · 4.625%
HK$18,802
+HK$1,078/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,448/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,554
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,052
−HK$504/mo
Today · 4.125%
HK$19,556
baseline
▲ 0.50% · 4.625%
HK$20,587
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,112/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,772 · 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).