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$9,174
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,460
−HK$290/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,343
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,500/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,206
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,480
−HK$278/mo
Today · 4.125%
HK$10,758
baseline
▲ 0.50% · 4.625%
HK$11,325
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,516/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,009
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,352
−HK$348/mo
Today · 4.125%
HK$11,700
baseline
▲ 0.50% · 4.625%
HK$12,411
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,400/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,248
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,576
−HK$333/mo
Today · 4.125%
HK$12,909
baseline
▲ 0.50% · 4.625%
HK$13,590
+HK$681/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,818/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,844
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,244
−HK$405/mo
Today · 4.125%
HK$13,649
baseline
▲ 0.50% · 4.625%
HK$14,480
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,298/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,289
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$389/mo
Today · 4.125%
HK$15,061
baseline
▲ 0.50% · 4.625%
HK$15,855
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,122/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,514
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,027
−HK$522/mo
Today · 4.125%
HK$17,549
baseline
▲ 0.50% · 4.625%
HK$18,617
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,098/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,864
−HK$500/mo
Today · 4.125%
HK$19,364
baseline
▲ 0.50% · 4.625%
HK$20,385
+HK$1,021/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,728/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,774 · 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).