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$9,201
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,487
−HK$291/mo
Today · 4.125%
HK$9,778
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,556/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$7,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,236
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$278/mo
Today · 4.125%
HK$10,789
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,578/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$7,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,041
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,385
−HK$349/mo
Today · 4.125%
HK$11,734
baseline
▲ 0.50% · 4.625%
HK$12,448
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,468/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,283
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,613
−HK$334/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,629
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,894/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,882
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,282
−HK$407/mo
Today · 4.125%
HK$13,689
baseline
▲ 0.50% · 4.625%
HK$14,522
+HK$833/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,378/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,331
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$390/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$15,901
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,210/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,562
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$524/mo
Today · 4.125%
HK$17,601
baseline
▲ 0.50% · 4.625%
HK$18,672
+HK$1,071/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,202/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,425
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,919
−HK$501/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,444
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,124 · 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).