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$9,177
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$290/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,346
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,504/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,209
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$277/mo
Today · 4.125%
HK$10,760
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,520/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,012
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$348/mo
Today · 4.125%
HK$11,703
baseline
▲ 0.50% · 4.625%
HK$12,415
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,406/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,251
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,579
−HK$334/mo
Today · 4.125%
HK$12,913
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,826/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,847
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$406/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,484
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,306/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,293
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,676
−HK$389/mo
Today · 4.125%
HK$15,065
baseline
▲ 0.50% · 4.625%
HK$15,859
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,130/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,518
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,032
−HK$522/mo
Today · 4.125%
HK$17,554
baseline
▲ 0.50% · 4.625%
HK$18,622
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,108/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,376
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$500/mo
Today · 4.125%
HK$19,369
baseline
▲ 0.50% · 4.625%
HK$20,390
+HK$1,021/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,738/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,980 · 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).