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$9,210
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,496
−HK$291/mo
Today · 4.125%
HK$9,787
baseline
▲ 0.50% · 4.625%
HK$10,383
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,574/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,246
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,521
−HK$278/mo
Today · 4.125%
HK$10,799
baseline
▲ 0.50% · 4.625%
HK$11,369
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,598/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,052
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$349/mo
Today · 4.125%
HK$11,745
baseline
▲ 0.50% · 4.625%
HK$12,460
+HK$715/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,490/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,295
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$334/mo
Today · 4.125%
HK$12,959
baseline
▲ 0.50% · 4.625%
HK$13,642
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,918/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,894
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$407/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,536
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,404/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,344
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$390/mo
Today · 4.125%
HK$15,119
baseline
▲ 0.50% · 4.625%
HK$15,916
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,238/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,578
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$524/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$1,072/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,234/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,443
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$502/mo
Today · 4.125%
HK$19,439
baseline
▲ 0.50% · 4.625%
HK$20,464
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,878/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,895 · 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).