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$9,226
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,513
−HK$292/mo
Today · 4.125%
HK$9,805
baseline
▲ 0.50% · 4.625%
HK$10,401
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,610/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,264
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,539
−HK$280/mo
Today · 4.125%
HK$10,819
baseline
▲ 0.50% · 4.625%
HK$11,389
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,638/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,071
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,416
−HK$350/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,482
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,532/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,317
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,647
−HK$335/mo
Today · 4.125%
HK$12,982
baseline
▲ 0.50% · 4.625%
HK$13,667
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,964/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,917
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,318
−HK$409/mo
Today · 4.125%
HK$13,727
baseline
▲ 0.50% · 4.625%
HK$14,562
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,454/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,370
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,755
−HK$391/mo
Today · 4.125%
HK$15,146
baseline
▲ 0.50% · 4.625%
HK$15,944
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,292/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,607
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,124
−HK$525/mo
Today · 4.125%
HK$17,649
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$1,073/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,298/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,475
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,971
−HK$502/mo
Today · 4.125%
HK$19,473
baseline
▲ 0.50% · 4.625%
HK$20,500
+HK$1,027/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,946/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,323 · 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).