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$9,230
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,517
−HK$292/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,405
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,618/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,268
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,543
−HK$280/mo
Today · 4.125%
HK$10,823
baseline
▲ 0.50% · 4.625%
HK$11,393
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,646/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,076
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$350/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,486
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,540/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,322
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$335/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,974/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,922
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,324
−HK$408/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,568
+HK$836/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,464/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,375
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$391/mo
Today · 4.125%
HK$15,152
baseline
▲ 0.50% · 4.625%
HK$15,951
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,304/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,614
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,130
−HK$525/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,730
+HK$1,075/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,310/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,482
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,978
−HK$503/mo
Today · 4.125%
HK$19,481
baseline
▲ 0.50% · 4.625%
HK$20,508
+HK$1,027/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,962/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,639 · 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).