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$9,247
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,535
−HK$292/mo
Today · 4.125%
HK$9,827
baseline
▲ 0.50% · 4.625%
HK$10,425
+HK$598/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,654/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,287
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,563
−HK$280/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,415
+HK$572/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,686/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$11,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,096
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,442
−HK$350/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,510
+HK$718/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,584/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,345
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,676
−HK$336/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,697
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$26,024/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$11,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,946
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,349
−HK$409/mo
Today · 4.125%
HK$13,758
baseline
▲ 0.50% · 4.625%
HK$14,595
+HK$837/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,516/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,402
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$392/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$15,980
+HK$800/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$11,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,645
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,162
−HK$526/mo
Today · 4.125%
HK$17,688
baseline
▲ 0.50% · 4.625%
HK$18,765
+HK$1,077/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$35,376/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,517
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$503/mo
Today · 4.125%
HK$19,517
baseline
▲ 0.50% · 4.625%
HK$20,546
+HK$1,029/mo
Deposit HK$406K · loan HK$3.65M · min. income ≈ HK$39,034/mo (50% DSR)
Upfront cash ≈ HK$417K (deposit + AVD stamp duty HK$11,153 · 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).