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$9,168
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$290/mo
Today · 4.125%
HK$9,743
baseline
▲ 0.50% · 4.625%
HK$10,335
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,486/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,199
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,473
−HK$277/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,500/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,001
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$348/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,403
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,382/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,239
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,567
−HK$333/mo
Today · 4.125%
HK$12,900
baseline
▲ 0.50% · 4.625%
HK$13,580
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,800/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,835
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,234
−HK$406/mo
Today · 4.125%
HK$13,640
baseline
▲ 0.50% · 4.625%
HK$14,470
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,280/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,279
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$388/mo
Today · 4.125%
HK$15,050
baseline
▲ 0.50% · 4.625%
HK$15,843
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,100/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,502
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$522/mo
Today · 4.125%
HK$17,537
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,074/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,358
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,851
−HK$499/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,370
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,195 · 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).