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$9,196
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,482
−HK$291/mo
Today · 4.125%
HK$9,773
baseline
▲ 0.50% · 4.625%
HK$10,367
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,546/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,230
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,505
−HK$278/mo
Today · 4.125%
HK$10,783
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,566/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,035
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,378
−HK$349/mo
Today · 4.125%
HK$11,727
baseline
▲ 0.50% · 4.625%
HK$12,441
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,454/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,277
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$334/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,622
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,880/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,874
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,275
−HK$407/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,514
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,364/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,323
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,707
−HK$389/mo
Today · 4.125%
HK$15,096
baseline
▲ 0.50% · 4.625%
HK$15,892
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,192/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,553
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,068
−HK$523/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,661
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,182/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,415
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,909
−HK$501/mo
Today · 4.125%
HK$19,410
baseline
▲ 0.50% · 4.625%
HK$20,433
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,820/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,679 · 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).