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$9,167
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$289/mo
Today · 4.125%
HK$9,741
baseline
▲ 0.50% · 4.625%
HK$10,334
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,482/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,198
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,471
−HK$278/mo
Today · 4.125%
HK$10,749
baseline
▲ 0.50% · 4.625%
HK$11,315
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,498/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,000
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$348/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,401
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,380/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,237
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,565
−HK$333/mo
Today · 4.125%
HK$12,898
baseline
▲ 0.50% · 4.625%
HK$13,578
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,796/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,833
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,232
−HK$406/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,276/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$388/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,841
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,096/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,500
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$521/mo
Today · 4.125%
HK$17,534
baseline
▲ 0.50% · 4.625%
HK$18,601
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,068/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$499/mo
Today · 4.125%
HK$19,347
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,694/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,090 · 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).