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$9,217
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,503
−HK$292/mo
Today · 4.125%
HK$9,795
baseline
▲ 0.50% · 4.625%
HK$10,390
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,590/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,253
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,528
−HK$279/mo
Today · 4.125%
HK$10,807
baseline
▲ 0.50% · 4.625%
HK$11,377
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,614/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,060
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,404
−HK$349/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,506/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,304
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$335/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$683/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,938/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,903
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$407/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,547
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,424/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,355
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,740
−HK$390/mo
Today · 4.125%
HK$15,130
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,260/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,590
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$524/mo
Today · 4.125%
HK$17,630
baseline
▲ 0.50% · 4.625%
HK$18,703
+HK$1,073/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,260/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,456
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,951
−HK$502/mo
Today · 4.125%
HK$19,453
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,906/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,479 · 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).