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$9,183
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,469
−HK$290/mo
Today · 4.125%
HK$9,759
baseline
▲ 0.50% · 4.625%
HK$10,353
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,518/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,216
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,490
−HK$278/mo
Today · 4.125%
HK$10,768
baseline
▲ 0.50% · 4.625%
HK$11,336
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,536/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,020
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,362
−HK$349/mo
Today · 4.125%
HK$11,711
baseline
▲ 0.50% · 4.625%
HK$12,423
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,422/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,259
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,588
−HK$334/mo
Today · 4.125%
HK$12,922
baseline
▲ 0.50% · 4.625%
HK$13,603
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,844/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,856
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,256
−HK$406/mo
Today · 4.125%
HK$13,662
baseline
▲ 0.50% · 4.625%
HK$14,494
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,324/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,302
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,686
−HK$389/mo
Today · 4.125%
HK$15,075
baseline
▲ 0.50% · 4.625%
HK$15,870
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,150/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,530
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$522/mo
Today · 4.125%
HK$17,566
baseline
▲ 0.50% · 4.625%
HK$18,635
+HK$1,069/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,132/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,389
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,882
−HK$500/mo
Today · 4.125%
HK$19,382
baseline
▲ 0.50% · 4.625%
HK$20,404
+HK$1,022/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,764/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,542 · 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).