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$6,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,227
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,501
−HK$279/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$6,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,032
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,375
−HK$348/mo
Today · 4.125%
HK$11,723
baseline
▲ 0.50% · 4.625%
HK$12,437
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,446/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,420 · 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$6,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,870
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$406/mo
Today · 4.125%
HK$13,677
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$833/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,354/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,318
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,702
−HK$390/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$15,887
+HK$795/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$6,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,548
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$523/mo
Today · 4.125%
HK$17,585
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,170/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,409
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$501/mo
Today · 4.125%
HK$19,404
baseline
▲ 0.50% · 4.625%
HK$20,426
+HK$1,022/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$6,420 · 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).