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$9,161
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,446
−HK$289/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,328
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,470/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,191
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,465
−HK$277/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,308
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,484/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,993
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,335
−HK$348/mo
Today · 4.125%
HK$11,683
baseline
▲ 0.50% · 4.625%
HK$12,393
+HK$710/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,366/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,230
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,558
−HK$333/mo
Today · 4.125%
HK$12,891
baseline
▲ 0.50% · 4.625%
HK$13,570
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,782/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,825
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,224
−HK$406/mo
Today · 4.125%
HK$13,630
baseline
▲ 0.50% · 4.625%
HK$14,459
+HK$829/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,260/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,268
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,651
−HK$388/mo
Today · 4.125%
HK$15,039
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,078/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,490
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,003
−HK$521/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,590
+HK$1,066/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,345
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,837
−HK$499/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,355
+HK$1,019/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,603 · 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).