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$9,186
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,472
−HK$290/mo
Today · 4.125%
HK$9,762
baseline
▲ 0.50% · 4.625%
HK$10,356
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,524/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,220
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,494
−HK$278/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,340
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,544/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,024
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$349/mo
Today · 4.125%
HK$11,715
baseline
▲ 0.50% · 4.625%
HK$12,428
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,430/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,264
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$333/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,852/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,861
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,261
−HK$406/mo
Today · 4.125%
HK$13,667
baseline
▲ 0.50% · 4.625%
HK$14,499
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,334/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,308
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,691
−HK$390/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,875
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,162/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,535
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,050
−HK$522/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,642
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$5,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,889
−HK$500/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,411
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$5,828 · 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).