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$9,199
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$291/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,370
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,552/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,233
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$278/mo
Today · 4.125%
HK$10,786
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,572/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,038
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,382
−HK$349/mo
Today · 4.125%
HK$11,731
baseline
▲ 0.50% · 4.625%
HK$12,444
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,462/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,280
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$334/mo
Today · 4.125%
HK$12,944
baseline
▲ 0.50% · 4.625%
HK$13,626
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,888/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,878
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,279
−HK$407/mo
Today · 4.125%
HK$13,686
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$833/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,372/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,327
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,711
−HK$390/mo
Today · 4.125%
HK$15,101
baseline
▲ 0.50% · 4.625%
HK$15,897
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,202/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$523/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,667
+HK$1,071/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,192/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,420
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$501/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,024/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,915 · 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).