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$9,162
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$290/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,329
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,474/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,193
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,466
−HK$278/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,488/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,995
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,337
−HK$347/mo
Today · 4.125%
HK$11,684
baseline
▲ 0.50% · 4.625%
HK$12,395
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,368/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,231
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,559
−HK$333/mo
Today · 4.125%
HK$12,892
baseline
▲ 0.50% · 4.625%
HK$13,572
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,784/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,827
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,226
−HK$405/mo
Today · 4.125%
HK$13,631
baseline
▲ 0.50% · 4.625%
HK$14,461
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,262/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,270
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,653
−HK$388/mo
Today · 4.125%
HK$15,041
baseline
▲ 0.50% · 4.625%
HK$15,834
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,082/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,492
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$521/mo
Today · 4.125%
HK$17,526
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,052/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,347
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$499/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,358
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,676/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,709 · 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).