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$9,228
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$292/mo
Today · 4.125%
HK$9,807
baseline
▲ 0.50% · 4.625%
HK$10,404
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,614/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,266
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,542
−HK$279/mo
Today · 4.125%
HK$10,821
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,642/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,074
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,418
−HK$350/mo
Today · 4.125%
HK$11,768
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,536/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,319
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$335/mo
Today · 4.125%
HK$12,985
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,970/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,919
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,321
−HK$409/mo
Today · 4.125%
HK$13,730
baseline
▲ 0.50% · 4.625%
HK$14,565
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,460/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,373
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,758
−HK$391/mo
Today · 4.125%
HK$15,149
baseline
▲ 0.50% · 4.625%
HK$15,948
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,298/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,611
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,127
−HK$525/mo
Today · 4.125%
HK$17,652
baseline
▲ 0.50% · 4.625%
HK$18,726
+HK$1,074/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,304/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,479
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,975
−HK$503/mo
Today · 4.125%
HK$19,478
baseline
▲ 0.50% · 4.625%
HK$20,504
+HK$1,026/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,956/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,498 · 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).