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$9,156
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$289/mo
Today · 4.125%
HK$9,730
baseline
▲ 0.50% · 4.625%
HK$10,323
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,460/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,186
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,459
−HK$278/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,474/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,988
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$348/mo
Today · 4.125%
HK$11,677
baseline
▲ 0.50% · 4.625%
HK$12,387
+HK$710/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,354/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,223
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,551
−HK$333/mo
Today · 4.125%
HK$12,884
baseline
▲ 0.50% · 4.625%
HK$13,563
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,768/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,819
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,217
−HK$406/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,452
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,246/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,261
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,643
−HK$388/mo
Today · 4.125%
HK$15,031
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$793/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,062/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,481
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,994
−HK$521/mo
Today · 4.125%
HK$17,515
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$1,066/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$35,030/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,335
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,827
−HK$499/mo
Today · 4.125%
HK$19,326
baseline
▲ 0.50% · 4.625%
HK$20,345
+HK$1,019/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$38,652/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,190 · 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).