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$9,215
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,501
−HK$292/mo
Today · 4.125%
HK$9,793
baseline
▲ 0.50% · 4.625%
HK$10,388
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,586/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,251
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$279/mo
Today · 4.125%
HK$10,805
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,610/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,058
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,402
−HK$349/mo
Today · 4.125%
HK$11,751
baseline
▲ 0.50% · 4.625%
HK$12,466
+HK$715/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,502/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,302
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,632
−HK$334/mo
Today · 4.125%
HK$12,966
baseline
▲ 0.50% · 4.625%
HK$13,650
+HK$684/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,932/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,901
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$408/mo
Today · 4.125%
HK$13,710
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,420/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,352
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,737
−HK$390/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$15,925
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,587
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,103
−HK$524/mo
Today · 4.125%
HK$17,627
baseline
▲ 0.50% · 4.625%
HK$18,699
+HK$1,072/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,254/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,452
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,947
−HK$502/mo
Today · 4.125%
HK$19,449
baseline
▲ 0.50% · 4.625%
HK$20,475
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,898/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,322 · 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).