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$9,147
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,432
−HK$289/mo
Today · 4.125%
HK$9,721
baseline
▲ 0.50% · 4.625%
HK$10,312
+HK$591/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,442/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,176
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,449
−HK$277/mo
Today · 4.125%
HK$10,726
baseline
▲ 0.50% · 4.625%
HK$11,291
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,452/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,977
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,318
−HK$347/mo
Today · 4.125%
HK$11,665
baseline
▲ 0.50% · 4.625%
HK$12,375
+HK$710/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,330/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,212
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,539
−HK$332/mo
Today · 4.125%
HK$12,871
baseline
▲ 0.50% · 4.625%
HK$13,550
+HK$679/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,742/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,806
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$404/mo
Today · 4.125%
HK$13,609
baseline
▲ 0.50% · 4.625%
HK$14,437
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,218/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,247
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$388/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,808
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,034/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,465
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,977
−HK$521/mo
Today · 4.125%
HK$17,498
baseline
▲ 0.50% · 4.625%
HK$18,562
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,996/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$498/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,408 · 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).