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$9,232
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$291/mo
Today · 4.125%
HK$9,811
baseline
▲ 0.50% · 4.625%
HK$10,408
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,622/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,271
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,546
−HK$280/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,396
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,079
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,423
−HK$351/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,490
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,548/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,325
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$335/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,676
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,982/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,925
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,327
−HK$409/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,572
+HK$836/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,472/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,379
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,765
−HK$391/mo
Today · 4.125%
HK$15,156
baseline
▲ 0.50% · 4.625%
HK$15,955
+HK$799/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,312/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,618
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,135
−HK$525/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,735
+HK$1,075/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,320/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$9,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,488
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,983
−HK$503/mo
Today · 4.125%
HK$19,486
baseline
▲ 0.50% · 4.625%
HK$20,514
+HK$1,028/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,972/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$9,867 · 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).