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$9,148
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,433
−HK$289/mo
Today · 4.125%
HK$9,722
baseline
▲ 0.50% · 4.625%
HK$10,313
+HK$591/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,444/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,177
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$277/mo
Today · 4.125%
HK$10,727
baseline
▲ 0.50% · 4.625%
HK$11,292
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,454/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,978
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,319
−HK$347/mo
Today · 4.125%
HK$11,666
baseline
▲ 0.50% · 4.625%
HK$12,376
+HK$710/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,332/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,213
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,540
−HK$332/mo
Today · 4.125%
HK$12,872
baseline
▲ 0.50% · 4.625%
HK$13,551
+HK$679/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,744/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,807
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,206
−HK$404/mo
Today · 4.125%
HK$13,610
baseline
▲ 0.50% · 4.625%
HK$14,439
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,220/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,248
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,630
−HK$388/mo
Today · 4.125%
HK$15,018
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,036/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,467
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,979
−HK$520/mo
Today · 4.125%
HK$17,499
baseline
▲ 0.50% · 4.625%
HK$18,564
+HK$1,065/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,998/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,319
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,810
−HK$499/mo
Today · 4.125%
HK$19,309
baseline
▲ 0.50% · 4.625%
HK$20,326
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,618/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,476 · 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).