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$9,182
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,467
−HK$291/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,351
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,516/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,215
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,489
−HK$278/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,334
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,534/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,018
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$348/mo
Today · 4.125%
HK$11,709
baseline
▲ 0.50% · 4.625%
HK$12,422
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,418/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,258
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$334/mo
Today · 4.125%
HK$12,920
baseline
▲ 0.50% · 4.625%
HK$13,601
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,840/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,855
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$407/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,322/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,301
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$389/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,868
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,527
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$523/mo
Today · 4.125%
HK$17,564
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$1,068/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,128/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,386
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$500/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,021/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,434 · 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).