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$9,213
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,500
−HK$291/mo
Today · 4.125%
HK$9,791
baseline
▲ 0.50% · 4.625%
HK$10,387
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,582/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,250
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,525
−HK$279/mo
Today · 4.125%
HK$10,804
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,608/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,056
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,400
−HK$349/mo
Today · 4.125%
HK$11,749
baseline
▲ 0.50% · 4.625%
HK$12,464
+HK$715/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,498/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,300
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,630
−HK$334/mo
Today · 4.125%
HK$12,964
baseline
▲ 0.50% · 4.625%
HK$13,648
+HK$684/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,928/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,899
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,300
−HK$408/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,416/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,350
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,735
−HK$390/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$15,922
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,250/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,584
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$524/mo
Today · 4.125%
HK$17,624
baseline
▲ 0.50% · 4.625%
HK$18,696
+HK$1,072/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,248/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,450
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,944
−HK$502/mo
Today · 4.125%
HK$19,446
baseline
▲ 0.50% · 4.625%
HK$20,471
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,892/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,202 · 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).