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$9,215
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,501
−HK$291/mo
Today · 4.125%
HK$9,792
baseline
▲ 0.50% · 4.625%
HK$10,388
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,584/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,251
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$279/mo
Today · 4.125%
HK$10,805
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,610/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,057
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,401
−HK$350/mo
Today · 4.125%
HK$11,751
baseline
▲ 0.50% · 4.625%
HK$12,466
+HK$715/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,502/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,301
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,631
−HK$335/mo
Today · 4.125%
HK$12,966
baseline
▲ 0.50% · 4.625%
HK$13,649
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,932/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,900
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$407/mo
Today · 4.125%
HK$13,709
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,418/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,352
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,736
−HK$391/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$15,924
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,586
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,102
−HK$524/mo
Today · 4.125%
HK$17,626
baseline
▲ 0.50% · 4.625%
HK$18,699
+HK$1,073/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,252/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,452
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,947
−HK$502/mo
Today · 4.125%
HK$19,449
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,898/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,306 · 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).