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$9,203
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$291/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,560/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,238
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$279/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,584/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,044
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,387
−HK$349/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,450
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,472/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,286
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,616
−HK$334/mo
Today · 4.125%
HK$12,950
baseline
▲ 0.50% · 4.625%
HK$13,632
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,900/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,884
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,285
−HK$407/mo
Today · 4.125%
HK$13,692
baseline
▲ 0.50% · 4.625%
HK$14,525
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,384/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,334
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$390/mo
Today · 4.125%
HK$15,108
baseline
▲ 0.50% · 4.625%
HK$15,905
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,216/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,566
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,081
−HK$523/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,429
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,923
−HK$502/mo
Today · 4.125%
HK$19,425
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,850/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,301 · 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).