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$9,218
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,505
−HK$291/mo
Today · 4.125%
HK$9,796
baseline
▲ 0.50% · 4.625%
HK$10,392
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,592/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,255
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$279/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,378
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,618/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,061
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,405
−HK$350/mo
Today · 4.125%
HK$11,755
baseline
▲ 0.50% · 4.625%
HK$12,470
+HK$715/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,510/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,306
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,636
−HK$334/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$8,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,905
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,306
−HK$408/mo
Today · 4.125%
HK$13,714
baseline
▲ 0.50% · 4.625%
HK$14,549
+HK$835/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$8,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,357
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,742
−HK$390/mo
Today · 4.125%
HK$15,132
baseline
▲ 0.50% · 4.625%
HK$15,930
+HK$798/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$8,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,592
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,108
−HK$524/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,705
+HK$1,073/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$8,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,458
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,954
−HK$502/mo
Today · 4.125%
HK$19,456
baseline
▲ 0.50% · 4.625%
HK$20,481
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,912/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,588 · 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).