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$9,151
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$290/mo
Today · 4.125%
HK$9,725
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$591/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,450/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,180
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$277/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,460/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,981
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,322
−HK$347/mo
Today · 4.125%
HK$11,669
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,338/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,216
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$332/mo
Today · 4.125%
HK$12,876
baseline
▲ 0.50% · 4.625%
HK$13,555
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,752/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,811
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,210
−HK$404/mo
Today · 4.125%
HK$13,614
baseline
▲ 0.50% · 4.625%
HK$14,443
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,228/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,252
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,634
−HK$388/mo
Today · 4.125%
HK$15,022
baseline
▲ 0.50% · 4.625%
HK$15,814
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,044/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,471
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,984
−HK$520/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$1,065/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,324
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,816
−HK$498/mo
Today · 4.125%
HK$19,314
baseline
▲ 0.50% · 4.625%
HK$20,332
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,628/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,706 · 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).