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$9,219
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$291/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,394
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,594/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,256
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,532
−HK$279/mo
Today · 4.125%
HK$10,811
baseline
▲ 0.50% · 4.625%
HK$11,380
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,622/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,063
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,407
−HK$350/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,472
+HK$715/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,514/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,308
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,638
−HK$335/mo
Today · 4.125%
HK$12,973
baseline
▲ 0.50% · 4.625%
HK$13,656
+HK$683/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,946/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,907
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,309
−HK$407/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,551
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,432/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,359
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,744
−HK$391/mo
Today · 4.125%
HK$15,135
baseline
▲ 0.50% · 4.625%
HK$15,933
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,270/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,595
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$524/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$1,074/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$502/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,725 · 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).