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$9,233
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$292/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,409
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,624/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,272
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$279/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$571/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,080
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,424
−HK$350/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,491
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,548/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,326
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$336/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,984/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,926
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,328
−HK$409/mo
Today · 4.125%
HK$13,737
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$836/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,474/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,380
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,766
−HK$391/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$15,956
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,619
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,136
−HK$525/mo
Today · 4.125%
HK$17,661
baseline
▲ 0.50% · 4.625%
HK$18,736
+HK$1,075/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,322/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$9,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,985
−HK$503/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,027/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$9,917 · 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).