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$578/mo
▼ 0.25% · 3.875%
HK$9,511
−HK$292/mo
Today · 4.125%
HK$9,803
baseline
▲ 0.50% · 4.625%
HK$10,399
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,606/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,262
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,537
−HK$280/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$9,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,069
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,414
−HK$350/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$715/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$9,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,315
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,645
−HK$335/mo
Today · 4.125%
HK$12,980
baseline
▲ 0.50% · 4.625%
HK$13,664
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,960/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,914
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$408/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,448/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,367
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,752
−HK$391/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,286/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,604
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,121
−HK$524/mo
Today · 4.125%
HK$17,645
baseline
▲ 0.50% · 4.625%
HK$18,719
+HK$1,074/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,290/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,472
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,967
−HK$503/mo
Today · 4.125%
HK$19,470
baseline
▲ 0.50% · 4.625%
HK$20,496
+HK$1,026/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,940/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,176 · 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).