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$9,205
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,491
−HK$291/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,377
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,564/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,240
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$278/mo
Today · 4.125%
HK$10,793
baseline
▲ 0.50% · 4.625%
HK$11,362
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,586/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,046
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$349/mo
Today · 4.125%
HK$11,738
baseline
▲ 0.50% · 4.625%
HK$12,453
+HK$715/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,476/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,288
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,618
−HK$334/mo
Today · 4.125%
HK$12,952
baseline
▲ 0.50% · 4.625%
HK$13,635
+HK$683/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,904/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,887
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,288
−HK$407/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,528
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,390/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,336
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$390/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$15,907
+HK$796/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,222/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$524/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$1,071/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,432
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$501/mo
Today · 4.125%
HK$19,428
baseline
▲ 0.50% · 4.625%
HK$20,452
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,856/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,444 · 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).