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$9,200
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$291/mo
Today · 4.125%
HK$9,777
baseline
▲ 0.50% · 4.625%
HK$10,371
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,554/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,235
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$278/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,356
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,574/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,040
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$349/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,446
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,464/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,281
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,611
−HK$334/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,627
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,890/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,880
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,280
−HK$407/mo
Today · 4.125%
HK$13,687
baseline
▲ 0.50% · 4.625%
HK$14,520
+HK$833/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,374/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,328
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,713
−HK$389/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$15,899
+HK$797/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,204/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,559
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,074
−HK$524/mo
Today · 4.125%
HK$17,598
baseline
▲ 0.50% · 4.625%
HK$18,669
+HK$1,071/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,196/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,422
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$501/mo
Today · 4.125%
HK$19,417
baseline
▲ 0.50% · 4.625%
HK$20,441
+HK$1,024/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,834/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,996 · 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).