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$9,233
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$291/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,409
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,624/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,272
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$279/mo
Today · 4.125%
HK$10,827
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$571/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,654/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,080
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,425
−HK$350/mo
Today · 4.125%
HK$11,775
baseline
▲ 0.50% · 4.625%
HK$12,491
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,550/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,327
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,657
−HK$335/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,984/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,927
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,329
−HK$408/mo
Today · 4.125%
HK$13,737
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$836/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,474/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,381
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,767
−HK$391/mo
Today · 4.125%
HK$15,158
baseline
▲ 0.50% · 4.625%
HK$15,957
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,316/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,620
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,137
−HK$525/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,737
+HK$1,075/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$9,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,490
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,986
−HK$503/mo
Today · 4.125%
HK$19,489
baseline
▲ 0.50% · 4.625%
HK$20,516
+HK$1,027/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,978/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$9,958 · 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).