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$9,178
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,463
−HK$290/mo
Today · 4.125%
HK$9,753
baseline
▲ 0.50% · 4.625%
HK$10,346
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,506/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,210
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,484
−HK$277/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,329
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,522/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,013
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,356
−HK$348/mo
Today · 4.125%
HK$11,704
baseline
▲ 0.50% · 4.625%
HK$12,416
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,408/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$5,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,252
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$334/mo
Today · 4.125%
HK$12,914
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$681/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,828/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$5,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,849
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,248
−HK$406/mo
Today · 4.125%
HK$13,654
baseline
▲ 0.50% · 4.625%
HK$14,485
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,308/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,294
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$389/mo
Today · 4.125%
HK$15,066
baseline
▲ 0.50% · 4.625%
HK$15,860
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,132/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,520
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,033
−HK$522/mo
Today · 4.125%
HK$17,555
baseline
▲ 0.50% · 4.625%
HK$18,624
+HK$1,069/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,110/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,378
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,871
−HK$500/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,021/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,055 · 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).