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$9,197
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,483
−HK$290/mo
Today · 4.125%
HK$9,773
baseline
▲ 0.50% · 4.625%
HK$10,368
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,546/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,231
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,506
−HK$278/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,568/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,036
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$349/mo
Today · 4.125%
HK$11,728
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,456/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,277
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$334/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,882/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,875
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$407/mo
Today · 4.125%
HK$13,683
baseline
▲ 0.50% · 4.625%
HK$14,515
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,366/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,324
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,708
−HK$389/mo
Today · 4.125%
HK$15,097
baseline
▲ 0.50% · 4.625%
HK$15,893
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,194/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,554
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,069
−HK$523/mo
Today · 4.125%
HK$17,592
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,184/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,416
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,910
−HK$501/mo
Today · 4.125%
HK$19,411
baseline
▲ 0.50% · 4.625%
HK$20,434
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,822/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,729 · 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).