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$9,208
−HK$577/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$7,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,243
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$279/mo
Today · 4.125%
HK$10,797
baseline
▲ 0.50% · 4.625%
HK$11,366
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,594/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,049
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,393
−HK$349/mo
Today · 4.125%
HK$11,742
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$715/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$7,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,292
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,622
−HK$334/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$7,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,891
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,292
−HK$407/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,533
+HK$834/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$7,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,341
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,725
−HK$391/mo
Today · 4.125%
HK$15,116
baseline
▲ 0.50% · 4.625%
HK$15,912
+HK$796/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,232/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,574
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$524/mo
Today · 4.125%
HK$17,613
baseline
▲ 0.50% · 4.625%
HK$18,685
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,226/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,438
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$501/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,459
+HK$1,025/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,702 · 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).