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$9,175
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,461
−HK$290/mo
Today · 4.125%
HK$9,751
baseline
▲ 0.50% · 4.625%
HK$10,344
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,502/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,208
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$278/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,326
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,518/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,011
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$348/mo
Today · 4.125%
HK$11,701
baseline
▲ 0.50% · 4.625%
HK$12,413
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,402/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,249
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,578
−HK$333/mo
Today · 4.125%
HK$12,911
baseline
▲ 0.50% · 4.625%
HK$13,591
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,822/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,846
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$406/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,482
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,302/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,291
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$389/mo
Today · 4.125%
HK$15,063
baseline
▲ 0.50% · 4.625%
HK$15,857
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,126/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,516
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$522/mo
Today · 4.125%
HK$17,552
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,104/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,374
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$500/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,387
+HK$1,021/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,876 · 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).