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$9,163
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,449
−HK$289/mo
Today · 4.125%
HK$9,738
baseline
▲ 0.50% · 4.625%
HK$10,331
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,476/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,194
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,468
−HK$277/mo
Today · 4.125%
HK$10,745
baseline
▲ 0.50% · 4.625%
HK$11,311
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,490/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,996
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$348/mo
Today · 4.125%
HK$11,686
baseline
▲ 0.50% · 4.625%
HK$12,397
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,372/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,233
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,561
−HK$333/mo
Today · 4.125%
HK$12,894
baseline
▲ 0.50% · 4.625%
HK$13,574
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,788/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,829
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,228
−HK$405/mo
Today · 4.125%
HK$13,633
baseline
▲ 0.50% · 4.625%
HK$14,463
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,266/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,272
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,655
−HK$388/mo
Today · 4.125%
HK$15,043
baseline
▲ 0.50% · 4.625%
HK$15,836
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,086/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,007
−HK$522/mo
Today · 4.125%
HK$17,529
baseline
▲ 0.50% · 4.625%
HK$18,595
+HK$1,066/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,058/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,350
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$499/mo
Today · 4.125%
HK$19,341
baseline
▲ 0.50% · 4.625%
HK$20,361
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,682/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,824 · 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).