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$9,220
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,507
−HK$292/mo
Today · 4.125%
HK$9,799
baseline
▲ 0.50% · 4.625%
HK$10,395
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,598/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,258
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$279/mo
Today · 4.125%
HK$10,812
baseline
▲ 0.50% · 4.625%
HK$11,382
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,624/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,064
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$349/mo
Today · 4.125%
HK$11,758
baseline
▲ 0.50% · 4.625%
HK$12,474
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,516/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,309
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,639
−HK$335/mo
Today · 4.125%
HK$12,974
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,948/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,908
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,310
−HK$408/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$835/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,436/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,361
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$390/mo
Today · 4.125%
HK$15,136
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,272/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,597
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,113
−HK$524/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,711
+HK$1,074/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,464
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,959
−HK$502/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,811 · 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).