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$9,158
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$290/mo
Today · 4.125%
HK$9,733
baseline
▲ 0.50% · 4.625%
HK$10,325
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,466/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,189
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,462
−HK$277/mo
Today · 4.125%
HK$10,739
baseline
▲ 0.50% · 4.625%
HK$11,305
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,478/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,990
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,332
−HK$347/mo
Today · 4.125%
HK$11,679
baseline
▲ 0.50% · 4.625%
HK$12,390
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,358/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,226
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,554
−HK$333/mo
Today · 4.125%
HK$12,887
baseline
▲ 0.50% · 4.625%
HK$13,566
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,774/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,822
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,221
−HK$405/mo
Today · 4.125%
HK$13,626
baseline
▲ 0.50% · 4.625%
HK$14,455
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,252/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,264
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,647
−HK$388/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,070/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,485
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,998
−HK$521/mo
Today · 4.125%
HK$17,519
baseline
▲ 0.50% · 4.625%
HK$18,585
+HK$1,066/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$35,038/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,831
−HK$499/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,019/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,375 · 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).