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$9,185
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,470
−HK$290/mo
Today · 4.125%
HK$9,760
baseline
▲ 0.50% · 4.625%
HK$10,354
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,520/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,218
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,492
−HK$278/mo
Today · 4.125%
HK$10,770
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,540/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,021
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,364
−HK$349/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,425
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,426/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,261
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,590
−HK$334/mo
Today · 4.125%
HK$12,924
baseline
▲ 0.50% · 4.625%
HK$13,605
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,848/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,858
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$407/mo
Today · 4.125%
HK$13,665
baseline
▲ 0.50% · 4.625%
HK$14,496
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,330/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,305
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$390/mo
Today · 4.125%
HK$15,078
baseline
▲ 0.50% · 4.625%
HK$15,872
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,156/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,532
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$523/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$1,069/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,138/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$501/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,021/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,671 · 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).