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$9,158
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$289/mo
Today · 4.125%
HK$9,732
baseline
▲ 0.50% · 4.625%
HK$10,324
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,464/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,188
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,461
−HK$278/mo
Today · 4.125%
HK$10,739
baseline
▲ 0.50% · 4.625%
HK$11,305
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,478/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,990
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$348/mo
Today · 4.125%
HK$11,679
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$710/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,358/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,226
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,554
−HK$332/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,566
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,772/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,821
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,220
−HK$405/mo
Today · 4.125%
HK$13,625
baseline
▲ 0.50% · 4.625%
HK$14,454
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,250/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,263
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$388/mo
Today · 4.125%
HK$15,034
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$793/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,068/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,484
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,997
−HK$521/mo
Today · 4.125%
HK$17,518
baseline
▲ 0.50% · 4.625%
HK$18,584
+HK$1,066/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$35,036/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,831
−HK$499/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,348
+HK$1,018/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,344 · 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).