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$9,191
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,477
−HK$291/mo
Today · 4.125%
HK$9,768
baseline
▲ 0.50% · 4.625%
HK$10,362
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,536/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,225
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,499
−HK$279/mo
Today · 4.125%
HK$10,778
baseline
▲ 0.50% · 4.625%
HK$11,346
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,556/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,029
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,373
−HK$348/mo
Today · 4.125%
HK$11,721
baseline
▲ 0.50% · 4.625%
HK$12,434
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,442/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,270
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,599
−HK$334/mo
Today · 4.125%
HK$12,933
baseline
▲ 0.50% · 4.625%
HK$13,615
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,866/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,868
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,268
−HK$407/mo
Today · 4.125%
HK$13,675
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,350/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,315
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,699
−HK$390/mo
Today · 4.125%
HK$15,089
baseline
▲ 0.50% · 4.625%
HK$15,884
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,178/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,544
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,059
−HK$523/mo
Today · 4.125%
HK$17,582
baseline
▲ 0.50% · 4.625%
HK$18,651
+HK$1,069/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,164/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,405
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$501/mo
Today · 4.125%
HK$19,400
baseline
▲ 0.50% · 4.625%
HK$20,422
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,800/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,256 · 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).