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$9,207
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,493
−HK$291/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,379
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,568/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,242
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$279/mo
Today · 4.125%
HK$10,796
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,592/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,048
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$349/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$714/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,482/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,291
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$335/mo
Today · 4.125%
HK$12,955
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,910/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,889
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$407/mo
Today · 4.125%
HK$13,697
baseline
▲ 0.50% · 4.625%
HK$14,531
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,394/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,339
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,724
−HK$390/mo
Today · 4.125%
HK$15,114
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$796/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,228/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,572
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$524/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,683
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,222/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,436
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$502/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,602 · 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).