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$9,182
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$290/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,352
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,516/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,215
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,489
−HK$278/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,335
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,534/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$349/mo
Today · 4.125%
HK$11,710
baseline
▲ 0.50% · 4.625%
HK$12,422
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,420/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,258
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$333/mo
Today · 4.125%
HK$12,920
baseline
▲ 0.50% · 4.625%
HK$13,602
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,840/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,855
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$406/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,322/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,301
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$389/mo
Today · 4.125%
HK$15,074
baseline
▲ 0.50% · 4.625%
HK$15,868
+HK$794/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,148/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,528
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$523/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$1,068/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,387
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$501/mo
Today · 4.125%
HK$19,381
baseline
▲ 0.50% · 4.625%
HK$20,402
+HK$1,021/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,762/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,471 · 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).