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$9,221
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,508
−HK$291/mo
Today · 4.125%
HK$9,799
baseline
▲ 0.50% · 4.625%
HK$10,396
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,598/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,258
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$279/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,383
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,626/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,065
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$349/mo
Today · 4.125%
HK$11,759
baseline
▲ 0.50% · 4.625%
HK$12,475
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,518/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,310
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$335/mo
Today · 4.125%
HK$12,975
baseline
▲ 0.50% · 4.625%
HK$13,659
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,950/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,910
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$408/mo
Today · 4.125%
HK$13,719
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,438/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,362
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,747
−HK$391/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$525/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$1,073/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$503/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,880 · 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).