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$9,188
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$291/mo
Today · 4.125%
HK$9,764
baseline
▲ 0.50% · 4.625%
HK$10,358
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,528/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,221
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$278/mo
Today · 4.125%
HK$10,773
baseline
▲ 0.50% · 4.625%
HK$11,341
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,546/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,025
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,368
−HK$348/mo
Today · 4.125%
HK$11,716
baseline
▲ 0.50% · 4.625%
HK$12,429
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,432/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,265
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,594
−HK$334/mo
Today · 4.125%
HK$12,928
baseline
▲ 0.50% · 4.625%
HK$13,609
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,856/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,863
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,263
−HK$406/mo
Today · 4.125%
HK$13,669
baseline
▲ 0.50% · 4.625%
HK$14,501
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,338/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,310
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,693
−HK$390/mo
Today · 4.125%
HK$15,083
baseline
▲ 0.50% · 4.625%
HK$15,878
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,166/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,538
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$523/mo
Today · 4.125%
HK$17,575
baseline
▲ 0.50% · 4.625%
HK$18,644
+HK$1,069/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,150/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$5,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,398
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$501/mo
Today · 4.125%
HK$19,392
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,784/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$5,936 · 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).