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$9,225
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,512
−HK$292/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,400
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,608/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,263
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,538
−HK$279/mo
Today · 4.125%
HK$10,817
baseline
▲ 0.50% · 4.625%
HK$11,387
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,634/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,070
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,414
−HK$350/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,480
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,528/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,315
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,646
−HK$335/mo
Today · 4.125%
HK$12,981
baseline
▲ 0.50% · 4.625%
HK$13,665
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,962/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,915
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,317
−HK$408/mo
Today · 4.125%
HK$13,725
baseline
▲ 0.50% · 4.625%
HK$14,560
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,450/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,368
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,753
−HK$391/mo
Today · 4.125%
HK$15,144
baseline
▲ 0.50% · 4.625%
HK$15,942
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,288/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,605
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,122
−HK$524/mo
Today · 4.125%
HK$17,646
baseline
▲ 0.50% · 4.625%
HK$18,720
+HK$1,074/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,292/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,473
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,968
−HK$503/mo
Today · 4.125%
HK$19,471
baseline
▲ 0.50% · 4.625%
HK$20,497
+HK$1,026/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,942/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,222 · 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).