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$9,167
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$290/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,334
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,484/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,198
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,471
−HK$278/mo
Today · 4.125%
HK$10,749
baseline
▲ 0.50% · 4.625%
HK$11,315
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,498/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,000
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$348/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,401
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,380/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,237
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,566
−HK$333/mo
Today · 4.125%
HK$12,899
baseline
▲ 0.50% · 4.625%
HK$13,578
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,798/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,833
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$405/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,276/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$388/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$794/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,096/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,500
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$522/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,602
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,070/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$500/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,368
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,107 · 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).