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$9,222
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,509
−HK$291/mo
Today · 4.125%
HK$9,800
baseline
▲ 0.50% · 4.625%
HK$10,396
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,600/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,259
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$279/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,383
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,626/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,066
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$350/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,476
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,520/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,311
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,641
−HK$335/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,952/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,910
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$408/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,555
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,440/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,363
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$391/mo
Today · 4.125%
HK$15,139
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,278/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,599
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,115
−HK$525/mo
Today · 4.125%
HK$17,640
baseline
▲ 0.50% · 4.625%
HK$18,713
+HK$1,073/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,280/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,466
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,962
−HK$502/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,490
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,930 · 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).