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$9,171
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,456
−HK$290/mo
Today · 4.125%
HK$9,746
baseline
▲ 0.50% · 4.625%
HK$10,339
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,492/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,203
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,477
−HK$277/mo
Today · 4.125%
HK$10,754
baseline
▲ 0.50% · 4.625%
HK$11,321
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,508/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,005
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$348/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,407
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,392/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,243
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$333/mo
Today · 4.125%
HK$12,905
baseline
▲ 0.50% · 4.625%
HK$13,585
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,810/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,840
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,239
−HK$406/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,475
+HK$830/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,290/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,284
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,667
−HK$389/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,849
+HK$793/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,508
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$521/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,365
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,858
−HK$499/mo
Today · 4.125%
HK$19,357
baseline
▲ 0.50% · 4.625%
HK$20,378
+HK$1,021/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,714/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,502 · 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).