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$9,172
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,457
−HK$290/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,494/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,203
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,477
−HK$278/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,321
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,510/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,006
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$348/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,408
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,392/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,244
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$334/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,812/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,840
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$405/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,290/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,285
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$388/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,509
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$522/mo
Today · 4.125%
HK$17,544
baseline
▲ 0.50% · 4.625%
HK$18,612
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,088/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,859
−HK$499/mo
Today · 4.125%
HK$19,358
baseline
▲ 0.50% · 4.625%
HK$20,379
+HK$1,021/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,716/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,538 · 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).