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$9,218
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,505
−HK$291/mo
Today · 4.125%
HK$9,796
baseline
▲ 0.50% · 4.625%
HK$10,393
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,592/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,255
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$279/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,379
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,618/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,062
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,406
−HK$350/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,471
+HK$715/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,512/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,306
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,637
−HK$334/mo
Today · 4.125%
HK$12,971
baseline
▲ 0.50% · 4.625%
HK$13,655
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,942/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,906
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,307
−HK$408/mo
Today · 4.125%
HK$13,715
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,430/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,743
−HK$390/mo
Today · 4.125%
HK$15,133
baseline
▲ 0.50% · 4.625%
HK$15,931
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,266/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,593
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$525/mo
Today · 4.125%
HK$17,634
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$1,073/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,268/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,955
−HK$502/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,643 · 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).