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$9,305
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,595
−HK$294/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,490
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,778/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,352
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,629
−HK$282/mo
Today · 4.125%
HK$10,911
baseline
▲ 0.50% · 4.625%
HK$11,486
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,822/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$16,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,166
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,513
−HK$353/mo
Today · 4.125%
HK$11,866
baseline
▲ 0.50% · 4.625%
HK$12,588
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,732/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,422
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,755
−HK$338/mo
Today · 4.125%
HK$13,093
baseline
▲ 0.50% · 4.625%
HK$13,783
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,186/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$16,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,027
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,432
−HK$412/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,686
+HK$842/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$27,688/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,493
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,881
−HK$395/mo
Today · 4.125%
HK$15,276
baseline
▲ 0.50% · 4.625%
HK$16,081
+HK$805/mo
Deposit HK$1.22M · loan HK$2.86M · min. income ≈ HK$30,552/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$16,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$530/mo
Today · 4.125%
HK$17,800
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$1,083/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,600/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$16,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,133
−HK$507/mo
Today · 4.125%
HK$19,640
baseline
▲ 0.50% · 4.625%
HK$20,675
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,280/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$16,246 · 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).