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$9,199
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$291/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,371
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,552/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,234
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$279/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,574/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,039
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,382
−HK$349/mo
Today · 4.125%
HK$11,731
baseline
▲ 0.50% · 4.625%
HK$12,445
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,462/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,281
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$334/mo
Today · 4.125%
HK$12,944
baseline
▲ 0.50% · 4.625%
HK$13,626
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,888/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,879
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,279
−HK$407/mo
Today · 4.125%
HK$13,686
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$833/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,372/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,327
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$390/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,204/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$524/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,667
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,194/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,915
−HK$501/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,440
+HK$1,024/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,948 · 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).