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$9,180
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$290/mo
Today · 4.125%
HK$9,755
baseline
▲ 0.50% · 4.625%
HK$10,349
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,510/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,212
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,486
−HK$278/mo
Today · 4.125%
HK$10,764
baseline
▲ 0.50% · 4.625%
HK$11,332
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,528/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,016
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,358
−HK$349/mo
Today · 4.125%
HK$11,707
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,414/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,255
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,584
−HK$333/mo
Today · 4.125%
HK$12,917
baseline
▲ 0.50% · 4.625%
HK$13,598
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,834/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,852
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,251
−HK$407/mo
Today · 4.125%
HK$13,658
baseline
▲ 0.50% · 4.625%
HK$14,489
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,316/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,297
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,681
−HK$389/mo
Today · 4.125%
HK$15,070
baseline
▲ 0.50% · 4.625%
HK$15,864
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,140/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,524
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,038
−HK$522/mo
Today · 4.125%
HK$17,560
baseline
▲ 0.50% · 4.625%
HK$18,628
+HK$1,068/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,120/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,382
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,875
−HK$501/mo
Today · 4.125%
HK$19,376
baseline
▲ 0.50% · 4.625%
HK$20,397
+HK$1,021/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,752/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,254 · 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).