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$10,395
+HK$596/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$8,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,258
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$279/mo
Today · 4.125%
HK$10,812
baseline
▲ 0.50% · 4.625%
HK$11,382
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,624/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,065
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$350/mo
Today · 4.125%
HK$11,759
baseline
▲ 0.50% · 4.625%
HK$12,474
+HK$715/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$8,852 · 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$8,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,909
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$408/mo
Today · 4.125%
HK$13,719
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$834/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$8,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,361
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$391/mo
Today · 4.125%
HK$15,137
baseline
▲ 0.50% · 4.625%
HK$15,935
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,274/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,597
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$524/mo
Today · 4.125%
HK$17,638
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$1,074/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,276/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,464
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$502/mo
Today · 4.125%
HK$19,462
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,924/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,852 · 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).