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$9,154
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,439
−HK$290/mo
Today · 4.125%
HK$9,729
baseline
▲ 0.50% · 4.625%
HK$10,321
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,458/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,184
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,457
−HK$277/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,300
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,468/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,985
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$347/mo
Today · 4.125%
HK$11,674
baseline
▲ 0.50% · 4.625%
HK$12,385
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,348/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,221
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,549
−HK$332/mo
Today · 4.125%
HK$12,881
baseline
▲ 0.50% · 4.625%
HK$13,560
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,762/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,816
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,215
−HK$405/mo
Today · 4.125%
HK$13,620
baseline
▲ 0.50% · 4.625%
HK$14,449
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,240/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,258
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,640
−HK$388/mo
Today · 4.125%
HK$15,028
baseline
▲ 0.50% · 4.625%
HK$15,820
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,056/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,478
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$520/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$1,066/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,332
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,823
−HK$499/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,341
+HK$1,019/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,035 · 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).