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$9,164
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,449
−HK$290/mo
Today · 4.125%
HK$9,739
baseline
▲ 0.50% · 4.625%
HK$10,332
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,478/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,195
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,469
−HK$277/mo
Today · 4.125%
HK$10,746
baseline
▲ 0.50% · 4.625%
HK$11,313
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,492/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,997
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,339
−HK$348/mo
Today · 4.125%
HK$11,687
baseline
▲ 0.50% · 4.625%
HK$12,398
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,374/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,234
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,562
−HK$333/mo
Today · 4.125%
HK$12,895
baseline
▲ 0.50% · 4.625%
HK$13,575
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,790/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,830
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,229
−HK$406/mo
Today · 4.125%
HK$13,635
baseline
▲ 0.50% · 4.625%
HK$14,464
+HK$829/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,270/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,273
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$389/mo
Today · 4.125%
HK$15,045
baseline
▲ 0.50% · 4.625%
HK$15,838
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,090/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,496
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$521/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,597
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,060/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,352
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,844
−HK$499/mo
Today · 4.125%
HK$19,343
baseline
▲ 0.50% · 4.625%
HK$20,363
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,686/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,905 · 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).