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$9,176
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$290/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,345
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,504/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,209
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,482
−HK$278/mo
Today · 4.125%
HK$10,760
baseline
▲ 0.50% · 4.625%
HK$11,327
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,520/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$4,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,012
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,354
−HK$348/mo
Today · 4.125%
HK$11,702
baseline
▲ 0.50% · 4.625%
HK$12,414
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,404/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,250
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,579
−HK$333/mo
Today · 4.125%
HK$12,912
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$681/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,824/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,847
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,246
−HK$406/mo
Today · 4.125%
HK$13,652
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,304/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,292
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,675
−HK$389/mo
Today · 4.125%
HK$15,064
baseline
▲ 0.50% · 4.625%
HK$15,858
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,128/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,517
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,031
−HK$522/mo
Today · 4.125%
HK$17,553
baseline
▲ 0.50% · 4.625%
HK$18,621
+HK$1,068/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,106/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,375
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,868
−HK$500/mo
Today · 4.125%
HK$19,368
baseline
▲ 0.50% · 4.625%
HK$20,389
+HK$1,021/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,736/mo (50% DSR)
Upfront cash ≈ HK$407K (deposit + AVD stamp duty HK$4,948 · 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).