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$9,234
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$292/mo
Today · 4.125%
HK$9,813
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,626/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$10,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,273
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$280/mo
Today · 4.125%
HK$10,828
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,656/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$10,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,081
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,425
−HK$351/mo
Today · 4.125%
HK$11,776
baseline
▲ 0.50% · 4.625%
HK$12,492
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,552/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,327
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,658
−HK$335/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,678
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,986/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,928
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,330
−HK$408/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$836/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,476/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$10,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,382
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,767
−HK$392/mo
Today · 4.125%
HK$15,159
baseline
▲ 0.50% · 4.625%
HK$15,958
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,318/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$10,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,621
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,138
−HK$525/mo
Today · 4.125%
HK$17,663
baseline
▲ 0.50% · 4.625%
HK$18,738
+HK$1,075/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,326/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,491
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,987
−HK$503/mo
Today · 4.125%
HK$19,490
baseline
▲ 0.50% · 4.625%
HK$20,517
+HK$1,027/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,980/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,007 · 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).