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$9,186
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,472
−HK$290/mo
Today · 4.125%
HK$9,762
baseline
▲ 0.50% · 4.625%
HK$10,356
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,524/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,219
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,493
−HK$278/mo
Today · 4.125%
HK$10,771
baseline
▲ 0.50% · 4.625%
HK$11,339
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,542/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,023
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$348/mo
Today · 4.125%
HK$11,714
baseline
▲ 0.50% · 4.625%
HK$12,427
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,428/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,263
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,592
−HK$334/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,607
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,852/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,860
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,260
−HK$407/mo
Today · 4.125%
HK$13,667
baseline
▲ 0.50% · 4.625%
HK$14,498
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,334/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,307
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,691
−HK$389/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,875
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,535
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,049
−HK$523/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$1,069/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$5,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,888
−HK$501/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,411
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$5,801 · 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).