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$9,189
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,475
−HK$291/mo
Today · 4.125%
HK$9,766
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,532/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,223
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,497
−HK$278/mo
Today · 4.125%
HK$10,775
baseline
▲ 0.50% · 4.625%
HK$11,343
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,550/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,027
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$349/mo
Today · 4.125%
HK$11,719
baseline
▲ 0.50% · 4.625%
HK$12,432
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,438/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,268
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,597
−HK$333/mo
Today · 4.125%
HK$12,930
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,860/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,865
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$407/mo
Today · 4.125%
HK$13,672
baseline
▲ 0.50% · 4.625%
HK$14,504
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,344/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,312
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$389/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$15,881
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,170/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,541
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$523/mo
Today · 4.125%
HK$17,578
baseline
▲ 0.50% · 4.625%
HK$18,648
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,156/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,401
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,895
−HK$501/mo
Today · 4.125%
HK$19,396
baseline
▲ 0.50% · 4.625%
HK$20,418
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,792/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,090 · 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).