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$9,209
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,496
−HK$291/mo
Today · 4.125%
HK$9,787
baseline
▲ 0.50% · 4.625%
HK$10,382
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,574/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,245
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,520
−HK$279/mo
Today · 4.125%
HK$10,799
baseline
▲ 0.50% · 4.625%
HK$11,368
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,598/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,051
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,395
−HK$349/mo
Today · 4.125%
HK$11,744
baseline
▲ 0.50% · 4.625%
HK$12,459
+HK$715/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,488/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,294
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,624
−HK$335/mo
Today · 4.125%
HK$12,959
baseline
▲ 0.50% · 4.625%
HK$13,642
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,918/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,893
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,294
−HK$408/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,535
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,404/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,344
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,728
−HK$390/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$15,915
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,577
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$523/mo
Today · 4.125%
HK$17,616
baseline
▲ 0.50% · 4.625%
HK$18,688
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,232/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,936
−HK$502/mo
Today · 4.125%
HK$19,438
baseline
▲ 0.50% · 4.625%
HK$20,463
+HK$1,025/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,876/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,854 · 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).