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$9,173
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$290/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,341
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,496/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,205
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,479
−HK$277/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,512/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,008
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,350
−HK$348/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,410
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,396/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,246
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,574
−HK$334/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,588
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,816/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,842
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$406/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,478
+HK$830/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,296/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,287
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,670
−HK$389/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,853
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,512
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,025
−HK$522/mo
Today · 4.125%
HK$17,547
baseline
▲ 0.50% · 4.625%
HK$18,615
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,094/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,862
−HK$499/mo
Today · 4.125%
HK$19,361
baseline
▲ 0.50% · 4.625%
HK$20,382
+HK$1,021/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,722/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,666 · 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).