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$9,161
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,445
−HK$290/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,470/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,191
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$278/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,308
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,484/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,993
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,335
−HK$347/mo
Today · 4.125%
HK$11,682
baseline
▲ 0.50% · 4.625%
HK$12,393
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,364/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,229
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,557
−HK$333/mo
Today · 4.125%
HK$12,890
baseline
▲ 0.50% · 4.625%
HK$13,569
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,780/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,825
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,224
−HK$405/mo
Today · 4.125%
HK$13,629
baseline
▲ 0.50% · 4.625%
HK$14,458
+HK$829/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,258/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,267
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$388/mo
Today · 4.125%
HK$15,038
baseline
▲ 0.50% · 4.625%
HK$15,831
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,076/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,489
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,002
−HK$521/mo
Today · 4.125%
HK$17,523
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$1,066/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,046/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,344
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,836
−HK$499/mo
Today · 4.125%
HK$19,335
baseline
▲ 0.50% · 4.625%
HK$20,354
+HK$1,019/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,670/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,567 · 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).