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$9,149
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,434
−HK$289/mo
Today · 4.125%
HK$9,723
baseline
▲ 0.50% · 4.625%
HK$10,314
+HK$591/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,446/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,178
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,451
−HK$277/mo
Today · 4.125%
HK$10,728
baseline
▲ 0.50% · 4.625%
HK$11,294
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,456/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,979
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,320
−HK$347/mo
Today · 4.125%
HK$11,667
baseline
▲ 0.50% · 4.625%
HK$12,377
+HK$710/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,334/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,214
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,541
−HK$333/mo
Today · 4.125%
HK$12,874
baseline
▲ 0.50% · 4.625%
HK$13,552
+HK$678/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,748/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,809
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$405/mo
Today · 4.125%
HK$13,612
baseline
▲ 0.50% · 4.625%
HK$14,440
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,224/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,250
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$387/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,811
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,038/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,468
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$520/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$1,065/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$499/mo
Today · 4.125%
HK$19,311
baseline
▲ 0.50% · 4.625%
HK$20,329
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,622/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,559 · 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).