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$9,181
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,467
−HK$290/mo
Today · 4.125%
HK$9,757
baseline
▲ 0.50% · 4.625%
HK$10,351
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,514/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,214
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$278/mo
Today · 4.125%
HK$10,766
baseline
▲ 0.50% · 4.625%
HK$11,334
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,532/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,018
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$348/mo
Today · 4.125%
HK$11,709
baseline
▲ 0.50% · 4.625%
HK$12,421
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,418/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,257
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$333/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,600
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,838/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,854
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$406/mo
Today · 4.125%
HK$13,660
baseline
▲ 0.50% · 4.625%
HK$14,491
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,320/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,300
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$389/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,867
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,527
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$522/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$1,069/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,386
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,879
−HK$500/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,022/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,404 · 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).