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$9,228
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$291/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,403
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,612/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,266
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$279/mo
Today · 4.125%
HK$10,820
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$571/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,640/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,073
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,418
−HK$350/mo
Today · 4.125%
HK$11,768
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,536/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,319
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,649
−HK$335/mo
Today · 4.125%
HK$12,984
baseline
▲ 0.50% · 4.625%
HK$13,669
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,968/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,919
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,321
−HK$408/mo
Today · 4.125%
HK$13,729
baseline
▲ 0.50% · 4.625%
HK$14,564
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,458/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,372
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,757
−HK$392/mo
Today · 4.125%
HK$15,149
baseline
▲ 0.50% · 4.625%
HK$15,947
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,298/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,610
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,127
−HK$524/mo
Today · 4.125%
HK$17,651
baseline
▲ 0.50% · 4.625%
HK$18,726
+HK$1,075/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,302/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,478
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,974
−HK$503/mo
Today · 4.125%
HK$19,477
baseline
▲ 0.50% · 4.625%
HK$20,503
+HK$1,026/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,954/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,458 · 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).