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$9,212
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,499
−HK$291/mo
Today · 4.125%
HK$9,790
baseline
▲ 0.50% · 4.625%
HK$10,386
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,580/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,248
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$279/mo
Today · 4.125%
HK$10,802
baseline
▲ 0.50% · 4.625%
HK$11,372
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,604/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,055
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$349/mo
Today · 4.125%
HK$11,748
baseline
▲ 0.50% · 4.625%
HK$12,463
+HK$715/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,496/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,298
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,628
−HK$335/mo
Today · 4.125%
HK$12,963
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,926/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,897
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,298
−HK$408/mo
Today · 4.125%
HK$13,706
baseline
▲ 0.50% · 4.625%
HK$14,540
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,412/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,348
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$390/mo
Today · 4.125%
HK$15,123
baseline
▲ 0.50% · 4.625%
HK$15,920
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,246/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,582
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$524/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,694
+HK$1,072/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,447
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,942
−HK$502/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,469
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,097 · 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).