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$9,216
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,502
−HK$292/mo
Today · 4.125%
HK$9,794
baseline
▲ 0.50% · 4.625%
HK$10,390
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,588/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,252
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,527
−HK$279/mo
Today · 4.125%
HK$10,806
baseline
▲ 0.50% · 4.625%
HK$11,376
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,612/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,059
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,403
−HK$349/mo
Today · 4.125%
HK$11,752
baseline
▲ 0.50% · 4.625%
HK$12,468
+HK$716/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,504/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,303
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,633
−HK$335/mo
Today · 4.125%
HK$12,968
baseline
▲ 0.50% · 4.625%
HK$13,651
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,936/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,902
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,303
−HK$408/mo
Today · 4.125%
HK$13,711
baseline
▲ 0.50% · 4.625%
HK$14,545
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,422/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,353
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$391/mo
Today · 4.125%
HK$15,129
baseline
▲ 0.50% · 4.625%
HK$15,926
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,258/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,588
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,104
−HK$525/mo
Today · 4.125%
HK$17,629
baseline
▲ 0.50% · 4.625%
HK$18,701
+HK$1,072/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,258/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,454
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,949
−HK$503/mo
Today · 4.125%
HK$19,452
baseline
▲ 0.50% · 4.625%
HK$20,477
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,904/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,413 · 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).