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$9,165
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,450
−HK$290/mo
Today · 4.125%
HK$9,740
baseline
▲ 0.50% · 4.625%
HK$10,332
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,480/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,196
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$277/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,313
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,494/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,998
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,340
−HK$348/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,399
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,376/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,235
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$333/mo
Today · 4.125%
HK$12,896
baseline
▲ 0.50% · 4.625%
HK$13,576
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,792/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,831
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,230
−HK$406/mo
Today · 4.125%
HK$13,636
baseline
▲ 0.50% · 4.625%
HK$14,465
+HK$829/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,272/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,275
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,657
−HK$389/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,839
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,092/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,497
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,010
−HK$522/mo
Today · 4.125%
HK$17,532
baseline
▲ 0.50% · 4.625%
HK$18,598
+HK$1,066/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,064/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,353
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,845
−HK$500/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,364
+HK$1,019/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,967 · 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).