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$9,181
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,466
−HK$291/mo
Today · 4.125%
HK$9,757
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,514/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,214
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$277/mo
Today · 4.125%
HK$10,765
baseline
▲ 0.50% · 4.625%
HK$11,333
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,530/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,017
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$348/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,420
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,416/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,256
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$334/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$680/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,838/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,853
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,253
−HK$406/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,299
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,683
−HK$389/mo
Today · 4.125%
HK$15,072
baseline
▲ 0.50% · 4.625%
HK$15,866
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,144/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,526
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,040
−HK$522/mo
Today · 4.125%
HK$17,562
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$1,068/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,124/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,385
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$500/mo
Today · 4.125%
HK$19,378
baseline
▲ 0.50% · 4.625%
HK$20,399
+HK$1,021/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,756/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,350 · 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).