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$9,180
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,466
−HK$290/mo
Today · 4.125%
HK$9,756
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,512/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,213
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,487
−HK$278/mo
Today · 4.125%
HK$10,765
baseline
▲ 0.50% · 4.625%
HK$11,332
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,530/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,016
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$348/mo
Today · 4.125%
HK$11,707
baseline
▲ 0.50% · 4.625%
HK$12,420
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,414/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,256
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,584
−HK$334/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,836/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,853
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$407/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,298
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,682
−HK$389/mo
Today · 4.125%
HK$15,071
baseline
▲ 0.50% · 4.625%
HK$15,865
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,142/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,525
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$522/mo
Today · 4.125%
HK$17,561
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$1,069/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,122/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,384
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$500/mo
Today · 4.125%
HK$19,377
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,021/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,754/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,309 · 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).