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$9,230
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,517
−HK$292/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,406
+HK$597/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,618/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,269
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$279/mo
Today · 4.125%
HK$10,823
baseline
▲ 0.50% · 4.625%
HK$11,394
+HK$571/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,646/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$9,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,076
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,421
−HK$350/mo
Today · 4.125%
HK$11,771
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,542/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,322
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,653
−HK$335/mo
Today · 4.125%
HK$12,988
baseline
▲ 0.50% · 4.625%
HK$13,673
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,976/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$9,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,922
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,324
−HK$409/mo
Today · 4.125%
HK$13,733
baseline
▲ 0.50% · 4.625%
HK$14,568
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,466/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,376
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,762
−HK$391/mo
Today · 4.125%
HK$15,153
baseline
▲ 0.50% · 4.625%
HK$15,951
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,306/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$9,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,614
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,131
−HK$525/mo
Today · 4.125%
HK$17,656
baseline
▲ 0.50% · 4.625%
HK$18,731
+HK$1,075/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$35,312/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,483
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,979
−HK$503/mo
Today · 4.125%
HK$19,482
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,027/mo
Deposit HK$405K · loan HK$3.64M · min. income ≈ HK$38,964/mo (50% DSR)
Upfront cash ≈ HK$414K (deposit + AVD stamp duty HK$9,678 · 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).