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$9,217
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,504
−HK$291/mo
Today · 4.125%
HK$9,795
baseline
▲ 0.50% · 4.625%
HK$10,391
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,590/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,254
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,529
−HK$279/mo
Today · 4.125%
HK$10,808
baseline
▲ 0.50% · 4.625%
HK$11,378
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,616/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,061
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,405
−HK$349/mo
Today · 4.125%
HK$11,754
baseline
▲ 0.50% · 4.625%
HK$12,470
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,508/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,305
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,635
−HK$335/mo
Today · 4.125%
HK$12,970
baseline
▲ 0.50% · 4.625%
HK$13,654
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,940/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,904
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,306
−HK$408/mo
Today · 4.125%
HK$13,714
baseline
▲ 0.50% · 4.625%
HK$14,548
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,428/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,356
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,741
−HK$391/mo
Today · 4.125%
HK$15,132
baseline
▲ 0.50% · 4.625%
HK$15,929
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,264/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,591
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,107
−HK$525/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,704
+HK$1,072/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,264/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,458
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,953
−HK$502/mo
Today · 4.125%
HK$19,455
baseline
▲ 0.50% · 4.625%
HK$20,480
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,910/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,549 · 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).