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$9,172
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$289/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,341
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,494/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,204
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,478
−HK$277/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,322
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,510/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,007
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$348/mo
Today · 4.125%
HK$11,697
baseline
▲ 0.50% · 4.625%
HK$12,409
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,394/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,245
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$333/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$681/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,812/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,841
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,241
−HK$405/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,292/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,286
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$388/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,851
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,114/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,510
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$521/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,613
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,367
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$500/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,594 · 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).