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$9,207
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,494
−HK$291/mo
Today · 4.125%
HK$9,785
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,570/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,243
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$278/mo
Today · 4.125%
HK$10,796
baseline
▲ 0.50% · 4.625%
HK$11,366
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,592/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,049
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$350/mo
Today · 4.125%
HK$11,742
baseline
▲ 0.50% · 4.625%
HK$12,456
+HK$714/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,484/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,292
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,621
−HK$335/mo
Today · 4.125%
HK$12,956
baseline
▲ 0.50% · 4.625%
HK$13,639
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,912/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,890
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,291
−HK$408/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,532
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,398/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,340
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,725
−HK$390/mo
Today · 4.125%
HK$15,115
baseline
▲ 0.50% · 4.625%
HK$15,912
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,230/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,573
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$523/mo
Today · 4.125%
HK$17,612
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,224/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,437
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$502/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,458
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,667 · 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).