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$9,175
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,460
−HK$290/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,344
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,500/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,207
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$278/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,326
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,518/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,010
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$348/mo
Today · 4.125%
HK$11,701
baseline
▲ 0.50% · 4.625%
HK$12,412
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,402/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,249
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,577
−HK$333/mo
Today · 4.125%
HK$12,910
baseline
▲ 0.50% · 4.625%
HK$13,591
+HK$681/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,820/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,845
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$406/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,481
+HK$830/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,302/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,290
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$389/mo
Today · 4.125%
HK$15,062
baseline
▲ 0.50% · 4.625%
HK$15,856
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,124/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,515
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$522/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,619
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,373
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$500/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,386
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,840 · 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).