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$9,150
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,434
−HK$289/mo
Today · 4.125%
HK$9,723
baseline
▲ 0.50% · 4.625%
HK$10,315
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,446/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,179
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,452
−HK$277/mo
Today · 4.125%
HK$10,729
baseline
▲ 0.50% · 4.625%
HK$11,294
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,458/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,980
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,321
−HK$347/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,378
+HK$710/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,336/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,215
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$333/mo
Today · 4.125%
HK$12,875
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$678/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,750/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,810
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,208
−HK$405/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,226/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,251
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$387/mo
Today · 4.125%
HK$15,020
baseline
▲ 0.50% · 4.625%
HK$15,812
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,040/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,470
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,982
−HK$520/mo
Today · 4.125%
HK$17,502
baseline
▲ 0.50% · 4.625%
HK$18,567
+HK$1,065/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$35,004/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,322
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,814
−HK$498/mo
Today · 4.125%
HK$19,312
baseline
▲ 0.50% · 4.625%
HK$20,330
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,624/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,618 · 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).