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$9,203
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,490
−HK$291/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,376
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,562/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,239
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$279/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,361
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,584/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,044
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$349/mo
Today · 4.125%
HK$11,737
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,474/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,286
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,616
−HK$334/mo
Today · 4.125%
HK$12,950
baseline
▲ 0.50% · 4.625%
HK$13,633
+HK$683/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,900/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,885
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,286
−HK$407/mo
Today · 4.125%
HK$13,693
baseline
▲ 0.50% · 4.625%
HK$14,526
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,386/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,334
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,719
−HK$390/mo
Today · 4.125%
HK$15,109
baseline
▲ 0.50% · 4.625%
HK$15,905
+HK$796/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,218/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,566
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,081
−HK$524/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$1,071/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,430
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$501/mo
Today · 4.125%
HK$19,425
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,850/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,325 · 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).