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$9,144
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$288/mo
Today · 4.125%
HK$9,717
baseline
▲ 0.50% · 4.625%
HK$10,309
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,434/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,173
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$276/mo
Today · 4.125%
HK$10,722
baseline
▲ 0.50% · 4.625%
HK$11,287
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,444/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,973
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,314
−HK$347/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,371
+HK$710/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,322/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,207
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$332/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$678/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,734/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,802
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,200
−HK$404/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,242
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,624
−HK$387/mo
Today · 4.125%
HK$15,011
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,022/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,459
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,971
−HK$520/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,556
+HK$1,065/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,311
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,802
−HK$498/mo
Today · 4.125%
HK$19,300
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,600/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,121 · 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).