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$9,205
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,491
−HK$291/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,378
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,564/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,241
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$279/mo
Today · 4.125%
HK$10,794
baseline
▲ 0.50% · 4.625%
HK$11,363
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,588/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,046
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,390
−HK$349/mo
Today · 4.125%
HK$11,739
baseline
▲ 0.50% · 4.625%
HK$12,453
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,478/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,289
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,618
−HK$335/mo
Today · 4.125%
HK$12,953
baseline
▲ 0.50% · 4.625%
HK$13,635
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,906/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,887
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,288
−HK$407/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,529
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,390/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,337
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$390/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$15,908
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,222/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,085
−HK$523/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,680
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$502/mo
Today · 4.125%
HK$19,429
baseline
▲ 0.50% · 4.625%
HK$20,453
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,858/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,476 · 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).