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$9,165
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,451
−HK$289/mo
Today · 4.125%
HK$9,740
baseline
▲ 0.50% · 4.625%
HK$10,333
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,480/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,197
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$277/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,314
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,494/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,999
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,341
−HK$347/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,400
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,376/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,236
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,564
−HK$333/mo
Today · 4.125%
HK$12,897
baseline
▲ 0.50% · 4.625%
HK$13,577
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,794/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,832
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,231
−HK$405/mo
Today · 4.125%
HK$13,636
baseline
▲ 0.50% · 4.625%
HK$14,466
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,272/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,275
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,658
−HK$388/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,839
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,092/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,498
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$521/mo
Today · 4.125%
HK$17,532
baseline
▲ 0.50% · 4.625%
HK$18,599
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,064/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,354
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,846
−HK$499/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,365
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,001 · 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).