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$9,179
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,464
−HK$290/mo
Today · 4.125%
HK$9,754
baseline
▲ 0.50% · 4.625%
HK$10,348
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,508/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,211
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$278/mo
Today · 4.125%
HK$10,763
baseline
▲ 0.50% · 4.625%
HK$11,330
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,526/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,014
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,357
−HK$348/mo
Today · 4.125%
HK$11,705
baseline
▲ 0.50% · 4.625%
HK$12,417
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,410/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,253
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,582
−HK$333/mo
Today · 4.125%
HK$12,915
baseline
▲ 0.50% · 4.625%
HK$13,596
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,830/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,850
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,250
−HK$406/mo
Today · 4.125%
HK$13,656
baseline
▲ 0.50% · 4.625%
HK$14,487
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,312/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,679
−HK$389/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,136/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,521
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$522/mo
Today · 4.125%
HK$17,557
baseline
▲ 0.50% · 4.625%
HK$18,626
+HK$1,069/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,114/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,380
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,873
−HK$500/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,021/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,746/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,147 · 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).