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$9,157
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,442
−HK$290/mo
Today · 4.125%
HK$9,732
baseline
▲ 0.50% · 4.625%
HK$10,324
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,464/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,188
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,461
−HK$277/mo
Today · 4.125%
HK$10,738
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,476/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,989
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$347/mo
Today · 4.125%
HK$11,678
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,356/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,225
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,553
−HK$333/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,772/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,219
−HK$405/mo
Today · 4.125%
HK$13,624
baseline
▲ 0.50% · 4.625%
HK$14,453
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,248/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,263
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,645
−HK$388/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,826
+HK$793/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,066/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,483
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,996
−HK$521/mo
Today · 4.125%
HK$17,517
baseline
▲ 0.50% · 4.625%
HK$18,583
+HK$1,066/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$35,034/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,338
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$499/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,347
+HK$1,019/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,291 · 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).