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$9,219
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$291/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,393
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,594/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,256
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,531
−HK$279/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,380
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,620/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,063
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,407
−HK$349/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,472
+HK$716/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,512/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,307
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,637
−HK$335/mo
Today · 4.125%
HK$12,972
baseline
▲ 0.50% · 4.625%
HK$13,656
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,944/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,906
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,308
−HK$408/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,432/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,743
−HK$391/mo
Today · 4.125%
HK$15,134
baseline
▲ 0.50% · 4.625%
HK$15,932
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,268/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,594
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$524/mo
Today · 4.125%
HK$17,634
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$1,073/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,268/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,955
−HK$503/mo
Today · 4.125%
HK$19,458
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,916/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,672 · 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).