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$9,202
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,488
−HK$291/mo
Today · 4.125%
HK$9,779
baseline
▲ 0.50% · 4.625%
HK$10,374
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,558/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$7,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,237
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,512
−HK$278/mo
Today · 4.125%
HK$10,790
baseline
▲ 0.50% · 4.625%
HK$11,359
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,580/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$7,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,042
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,386
−HK$349/mo
Today · 4.125%
HK$11,735
baseline
▲ 0.50% · 4.625%
HK$12,449
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,470/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,285
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,614
−HK$334/mo
Today · 4.125%
HK$12,948
baseline
▲ 0.50% · 4.625%
HK$13,631
+HK$683/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,896/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,883
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$407/mo
Today · 4.125%
HK$13,691
baseline
▲ 0.50% · 4.625%
HK$14,524
+HK$833/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,382/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,332
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,716
−HK$390/mo
Today · 4.125%
HK$15,106
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$797/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,212/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,564
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$523/mo
Today · 4.125%
HK$17,602
baseline
▲ 0.50% · 4.625%
HK$18,673
+HK$1,071/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,204/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,427
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$501/mo
Today · 4.125%
HK$19,422
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,844/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,205 · 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).