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$9,152
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,437
−HK$289/mo
Today · 4.125%
HK$9,726
baseline
▲ 0.50% · 4.625%
HK$10,318
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,452/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,182
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$277/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,297
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,464/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,982
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,324
−HK$347/mo
Today · 4.125%
HK$11,671
baseline
▲ 0.50% · 4.625%
HK$12,381
+HK$710/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,342/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,218
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,545
−HK$333/mo
Today · 4.125%
HK$12,878
baseline
▲ 0.50% · 4.625%
HK$13,557
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,756/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,813
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,211
−HK$405/mo
Today · 4.125%
HK$13,616
baseline
▲ 0.50% · 4.625%
HK$14,445
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,232/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,254
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,636
−HK$388/mo
Today · 4.125%
HK$15,024
baseline
▲ 0.50% · 4.625%
HK$15,816
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,048/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,474
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$521/mo
Today · 4.125%
HK$17,507
baseline
▲ 0.50% · 4.625%
HK$18,572
+HK$1,065/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$35,014/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,327
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$499/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,817 · 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).