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$9,145
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$289/mo
Today · 4.125%
HK$9,718
baseline
▲ 0.50% · 4.625%
HK$10,309
+HK$591/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,436/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,173
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$277/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,288
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,446/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,974
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$347/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,371
+HK$709/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,324/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,208
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$333/mo
Today · 4.125%
HK$12,868
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$678/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,736/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,802
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$404/mo
Today · 4.125%
HK$13,605
baseline
▲ 0.50% · 4.625%
HK$14,433
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,210/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,243
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$387/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,803
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,024/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,460
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,972
−HK$521/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$498/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,170 · 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).