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$9,193
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,479
−HK$290/mo
Today · 4.125%
HK$9,769
baseline
▲ 0.50% · 4.625%
HK$10,364
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,538/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,227
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,501
−HK$278/mo
Today · 4.125%
HK$10,779
baseline
▲ 0.50% · 4.625%
HK$11,347
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,558/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,031
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$349/mo
Today · 4.125%
HK$11,723
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,446/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,272
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,601
−HK$334/mo
Today · 4.125%
HK$12,935
baseline
▲ 0.50% · 4.625%
HK$13,617
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,870/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,870
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$407/mo
Today · 4.125%
HK$13,677
baseline
▲ 0.50% · 4.625%
HK$14,509
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,354/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,317
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,701
−HK$390/mo
Today · 4.125%
HK$15,091
baseline
▲ 0.50% · 4.625%
HK$15,886
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,182/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,547
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$523/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,654
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,408
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$501/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,425
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,380 · 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).