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$9,168
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$290/mo
Today · 4.125%
HK$9,743
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,486/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,200
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,473
−HK$278/mo
Today · 4.125%
HK$10,751
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,502/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,002
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,344
−HK$348/mo
Today · 4.125%
HK$11,692
baseline
▲ 0.50% · 4.625%
HK$12,403
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,384/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,239
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,568
−HK$333/mo
Today · 4.125%
HK$12,901
baseline
▲ 0.50% · 4.625%
HK$13,581
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,802/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,836
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$405/mo
Today · 4.125%
HK$13,640
baseline
▲ 0.50% · 4.625%
HK$14,470
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,280/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,279
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$389/mo
Today · 4.125%
HK$15,051
baseline
▲ 0.50% · 4.625%
HK$15,844
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,102/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,503
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$522/mo
Today · 4.125%
HK$17,538
baseline
▲ 0.50% · 4.625%
HK$18,605
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,076/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,852
−HK$499/mo
Today · 4.125%
HK$19,351
baseline
▲ 0.50% · 4.625%
HK$20,371
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,702/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,240 · 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).