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$9,167
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$290/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,335
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,484/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,198
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,472
−HK$277/mo
Today · 4.125%
HK$10,749
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,498/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,000
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$347/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,402
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,380/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,238
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,566
−HK$333/mo
Today · 4.125%
HK$12,899
baseline
▲ 0.50% · 4.625%
HK$13,579
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,798/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,834
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$406/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$389/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,501
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,014
−HK$521/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,602
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,070/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$500/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,368
+HK$1,019/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,135 · 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).