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$9,184
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,470
−HK$290/mo
Today · 4.125%
HK$9,760
baseline
▲ 0.50% · 4.625%
HK$10,354
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,520/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,217
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$278/mo
Today · 4.125%
HK$10,769
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,538/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,021
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,363
−HK$349/mo
Today · 4.125%
HK$11,712
baseline
▲ 0.50% · 4.625%
HK$12,424
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,424/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,260
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,589
−HK$334/mo
Today · 4.125%
HK$12,923
baseline
▲ 0.50% · 4.625%
HK$13,604
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,846/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,857
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,257
−HK$407/mo
Today · 4.125%
HK$13,664
baseline
▲ 0.50% · 4.625%
HK$14,495
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,328/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,304
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$389/mo
Today · 4.125%
HK$15,076
baseline
▲ 0.50% · 4.625%
HK$15,871
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,152/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,531
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$523/mo
Today · 4.125%
HK$17,568
baseline
▲ 0.50% · 4.625%
HK$18,636
+HK$1,068/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,136/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,390
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$500/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,406
+HK$1,022/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,768/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,610 · 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).