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$9,229
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,516
−HK$292/mo
Today · 4.125%
HK$9,808
baseline
▲ 0.50% · 4.625%
HK$10,405
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,616/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,267
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,543
−HK$279/mo
Today · 4.125%
HK$10,822
baseline
▲ 0.50% · 4.625%
HK$11,392
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,644/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,075
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,419
−HK$350/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,485
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,538/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,321
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$335/mo
Today · 4.125%
HK$12,986
baseline
▲ 0.50% · 4.625%
HK$13,671
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,972/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,921
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,323
−HK$408/mo
Today · 4.125%
HK$13,731
baseline
▲ 0.50% · 4.625%
HK$14,566
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,462/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,374
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$391/mo
Today · 4.125%
HK$15,151
baseline
▲ 0.50% · 4.625%
HK$15,949
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,302/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,612
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,129
−HK$525/mo
Today · 4.125%
HK$17,654
baseline
▲ 0.50% · 4.625%
HK$18,728
+HK$1,074/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,308/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,481
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$502/mo
Today · 4.125%
HK$19,479
baseline
▲ 0.50% · 4.625%
HK$20,506
+HK$1,027/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,958/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,571 · 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).