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$9,208
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$291/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,572/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,244
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$279/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,367
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,596/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,050
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$349/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$714/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,486/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,293
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$334/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,640
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,914/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,892
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$407/mo
Today · 4.125%
HK$13,700
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,400/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,726
−HK$391/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$796/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,575
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$523/mo
Today · 4.125%
HK$17,614
baseline
▲ 0.50% · 4.625%
HK$18,686
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,228/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,439
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,934
−HK$502/mo
Today · 4.125%
HK$19,436
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,872/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,756 · 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).