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$9,153
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,438
−HK$289/mo
Today · 4.125%
HK$9,727
baseline
▲ 0.50% · 4.625%
HK$10,319
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,454/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,182
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$277/mo
Today · 4.125%
HK$10,733
baseline
▲ 0.50% · 4.625%
HK$11,298
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,466/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,983
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$347/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,382
+HK$710/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,344/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,219
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$332/mo
Today · 4.125%
HK$12,879
baseline
▲ 0.50% · 4.625%
HK$13,558
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,758/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,814
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,213
−HK$405/mo
Today · 4.125%
HK$13,618
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,236/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,255
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,638
−HK$388/mo
Today · 4.125%
HK$15,026
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,052/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,475
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,988
−HK$520/mo
Today · 4.125%
HK$17,508
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$1,066/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$35,016/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,328
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,820
−HK$499/mo
Today · 4.125%
HK$19,319
baseline
▲ 0.50% · 4.625%
HK$20,337
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,638/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,891 · 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).