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$9,211
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,498
−HK$291/mo
Today · 4.125%
HK$9,789
baseline
▲ 0.50% · 4.625%
HK$10,384
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,578/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,247
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,522
−HK$279/mo
Today · 4.125%
HK$10,801
baseline
▲ 0.50% · 4.625%
HK$11,370
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,602/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,053
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,397
−HK$350/mo
Today · 4.125%
HK$11,747
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$714/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,494/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,297
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,627
−HK$334/mo
Today · 4.125%
HK$12,961
baseline
▲ 0.50% · 4.625%
HK$13,644
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,922/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,896
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,297
−HK$407/mo
Today · 4.125%
HK$13,704
baseline
▲ 0.50% · 4.625%
HK$14,538
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,408/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,346
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,731
−HK$390/mo
Today · 4.125%
HK$15,121
baseline
▲ 0.50% · 4.625%
HK$15,918
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,242/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,580
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$524/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$1,072/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,445
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$502/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,010 · 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).