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$9,145
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,430
−HK$289/mo
Today · 4.125%
HK$9,719
baseline
▲ 0.50% · 4.625%
HK$10,310
+HK$591/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,438/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,174
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,447
−HK$277/mo
Today · 4.125%
HK$10,724
baseline
▲ 0.50% · 4.625%
HK$11,289
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,448/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,974
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,316
−HK$347/mo
Today · 4.125%
HK$11,663
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$709/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,326/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,209
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,536
−HK$332/mo
Today · 4.125%
HK$12,868
baseline
▲ 0.50% · 4.625%
HK$13,547
+HK$679/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,736/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,803
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,202
−HK$404/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,434
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,212/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,244
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,626
−HK$387/mo
Today · 4.125%
HK$15,013
baseline
▲ 0.50% · 4.625%
HK$15,805
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,026/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,462
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,974
−HK$520/mo
Today · 4.125%
HK$17,494
baseline
▲ 0.50% · 4.625%
HK$18,558
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,988/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,313
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$499/mo
Today · 4.125%
HK$19,303
baseline
▲ 0.50% · 4.625%
HK$20,320
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,606/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,230 · 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).