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$9,231
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,518
−HK$292/mo
Today · 4.125%
HK$9,810
baseline
▲ 0.50% · 4.625%
HK$10,407
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,620/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,270
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,545
−HK$279/mo
Today · 4.125%
HK$10,824
baseline
▲ 0.50% · 4.625%
HK$11,395
+HK$571/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,648/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,077
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,422
−HK$350/mo
Today · 4.125%
HK$11,772
baseline
▲ 0.50% · 4.625%
HK$12,488
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,544/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,323
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,654
−HK$335/mo
Today · 4.125%
HK$12,989
baseline
▲ 0.50% · 4.625%
HK$13,674
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,978/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,924
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,326
−HK$408/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$836/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,468/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,377
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,763
−HK$391/mo
Today · 4.125%
HK$15,154
baseline
▲ 0.50% · 4.625%
HK$15,953
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,308/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,616
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,133
−HK$525/mo
Today · 4.125%
HK$17,658
baseline
▲ 0.50% · 4.625%
HK$18,732
+HK$1,074/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,316/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$9,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,485
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,981
−HK$503/mo
Today · 4.125%
HK$19,484
baseline
▲ 0.50% · 4.625%
HK$20,511
+HK$1,027/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,968/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$9,755 · 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).