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$9,193
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,479
−HK$291/mo
Today · 4.125%
HK$9,770
baseline
▲ 0.50% · 4.625%
HK$10,364
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,540/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,228
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,502
−HK$278/mo
Today · 4.125%
HK$10,780
baseline
▲ 0.50% · 4.625%
HK$11,348
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,560/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,032
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,375
−HK$349/mo
Today · 4.125%
HK$11,724
baseline
▲ 0.50% · 4.625%
HK$12,437
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,448/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,273
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$334/mo
Today · 4.125%
HK$12,936
baseline
▲ 0.50% · 4.625%
HK$13,618
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,872/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$407/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,356/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,319
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$389/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$15,888
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,184/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,548
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,063
−HK$523/mo
Today · 4.125%
HK$17,586
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,172/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,410
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$501/mo
Today · 4.125%
HK$19,404
baseline
▲ 0.50% · 4.625%
HK$20,427
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,808/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,443 · 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).