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$9,187
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$290/mo
Today · 4.125%
HK$9,763
baseline
▲ 0.50% · 4.625%
HK$10,357
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,526/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,220
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,494
−HK$278/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,340
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,544/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,024
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$349/mo
Today · 4.125%
HK$11,716
baseline
▲ 0.50% · 4.625%
HK$12,428
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,432/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,264
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$334/mo
Today · 4.125%
HK$12,927
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,854/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,862
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$406/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,500
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,336/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,308
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,692
−HK$389/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,876
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,162/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,536
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,051
−HK$522/mo
Today · 4.125%
HK$17,573
baseline
▲ 0.50% · 4.625%
HK$18,643
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,146/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$5,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,396
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,890
−HK$500/mo
Today · 4.125%
HK$19,390
baseline
▲ 0.50% · 4.625%
HK$20,412
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,780/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$5,872 · 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).