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$9,206
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,492
−HK$291/mo
Today · 4.125%
HK$9,783
baseline
▲ 0.50% · 4.625%
HK$10,379
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,566/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,242
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,516
−HK$279/mo
Today · 4.125%
HK$10,795
baseline
▲ 0.50% · 4.625%
HK$11,364
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,590/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,047
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,391
−HK$349/mo
Today · 4.125%
HK$11,740
baseline
▲ 0.50% · 4.625%
HK$12,454
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,480/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,290
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$334/mo
Today · 4.125%
HK$12,954
baseline
▲ 0.50% · 4.625%
HK$13,637
+HK$683/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,908/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,888
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,289
−HK$408/mo
Today · 4.125%
HK$13,697
baseline
▲ 0.50% · 4.625%
HK$14,530
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,394/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,338
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$390/mo
Today · 4.125%
HK$15,113
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,226/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,571
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,086
−HK$524/mo
Today · 4.125%
HK$17,610
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,220/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,435
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,929
−HK$502/mo
Today · 4.125%
HK$19,431
baseline
▲ 0.50% · 4.625%
HK$20,455
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,862/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,556 · 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).