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$9,191
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,477
−HK$290/mo
Today · 4.125%
HK$9,767
baseline
▲ 0.50% · 4.625%
HK$10,361
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,534/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,225
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,499
−HK$278/mo
Today · 4.125%
HK$10,777
baseline
▲ 0.50% · 4.625%
HK$11,345
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,554/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,029
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,372
−HK$348/mo
Today · 4.125%
HK$11,720
baseline
▲ 0.50% · 4.625%
HK$12,434
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,440/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,270
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,599
−HK$333/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,614
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,864/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,867
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,267
−HK$407/mo
Today · 4.125%
HK$13,674
baseline
▲ 0.50% · 4.625%
HK$14,506
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,348/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,314
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,698
−HK$390/mo
Today · 4.125%
HK$15,088
baseline
▲ 0.50% · 4.625%
HK$15,883
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,176/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,058
−HK$523/mo
Today · 4.125%
HK$17,581
baseline
▲ 0.50% · 4.625%
HK$18,650
+HK$1,069/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,162/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,404
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,898
−HK$501/mo
Today · 4.125%
HK$19,399
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,798/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,214 · 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).