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$9,227
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,514
−HK$292/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,402
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,612/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,265
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,540
−HK$279/mo
Today · 4.125%
HK$10,819
baseline
▲ 0.50% · 4.625%
HK$11,390
+HK$571/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,638/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,072
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,417
−HK$350/mo
Today · 4.125%
HK$11,767
baseline
▲ 0.50% · 4.625%
HK$12,483
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,534/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,318
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,648
−HK$335/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,668
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,966/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,918
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,319
−HK$409/mo
Today · 4.125%
HK$13,728
baseline
▲ 0.50% · 4.625%
HK$14,563
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,456/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,371
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,756
−HK$391/mo
Today · 4.125%
HK$15,147
baseline
▲ 0.50% · 4.625%
HK$15,946
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,294/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,608
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,125
−HK$525/mo
Today · 4.125%
HK$17,650
baseline
▲ 0.50% · 4.625%
HK$18,724
+HK$1,074/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,300/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,477
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,972
−HK$503/mo
Today · 4.125%
HK$19,475
baseline
▲ 0.50% · 4.625%
HK$20,501
+HK$1,026/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,950/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,387 · 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).