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$9,194
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,480
−HK$291/mo
Today · 4.125%
HK$9,771
baseline
▲ 0.50% · 4.625%
HK$10,365
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,542/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,228
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,503
−HK$278/mo
Today · 4.125%
HK$10,781
baseline
▲ 0.50% · 4.625%
HK$11,349
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,562/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,033
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$349/mo
Today · 4.125%
HK$11,725
baseline
▲ 0.50% · 4.625%
HK$12,438
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,450/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,274
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,603
−HK$334/mo
Today · 4.125%
HK$12,937
baseline
▲ 0.50% · 4.625%
HK$13,619
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,874/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,872
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,272
−HK$407/mo
Today · 4.125%
HK$13,679
baseline
▲ 0.50% · 4.625%
HK$14,511
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,358/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,320
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,704
−HK$389/mo
Today · 4.125%
HK$15,093
baseline
▲ 0.50% · 4.625%
HK$15,889
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,186/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,549
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,064
−HK$523/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,657
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,174/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,411
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,905
−HK$501/mo
Today · 4.125%
HK$19,406
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,812/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,511 · 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).