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$9,224
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,511
−HK$291/mo
Today · 4.125%
HK$9,802
baseline
▲ 0.50% · 4.625%
HK$10,399
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,604/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,262
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,537
−HK$279/mo
Today · 4.125%
HK$10,816
baseline
▲ 0.50% · 4.625%
HK$11,386
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,632/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,069
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,413
−HK$350/mo
Today · 4.125%
HK$11,763
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,526/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,314
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,644
−HK$335/mo
Today · 4.125%
HK$12,979
baseline
▲ 0.50% · 4.625%
HK$13,663
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,958/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,914
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,315
−HK$408/mo
Today · 4.125%
HK$13,723
baseline
▲ 0.50% · 4.625%
HK$14,558
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,446/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,366
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,751
−HK$391/mo
Today · 4.125%
HK$15,142
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,284/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,603
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$524/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,718
+HK$1,074/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,288/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,471
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,966
−HK$503/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,495
+HK$1,026/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,128 · 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).