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$9,221
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,508
−HK$292/mo
Today · 4.125%
HK$9,800
baseline
▲ 0.50% · 4.625%
HK$10,396
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,600/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,259
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$279/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,383
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,626/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,066
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$350/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,475
+HK$715/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,520/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,310
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,641
−HK$335/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,952/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,910
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$408/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,440/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,362
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,747
−HK$391/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,599
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,115
−HK$524/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,713
+HK$1,074/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,466
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,961
−HK$502/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,904 · 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).