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$9,189
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,475
−HK$290/mo
Today · 4.125%
HK$9,765
baseline
▲ 0.50% · 4.625%
HK$10,359
+HK$594/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,530/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,222
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,497
−HK$278/mo
Today · 4.125%
HK$10,775
baseline
▲ 0.50% · 4.625%
HK$11,343
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,550/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,026
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,369
−HK$349/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,431
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,436/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,267
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,596
−HK$334/mo
Today · 4.125%
HK$12,930
baseline
▲ 0.50% · 4.625%
HK$13,611
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,860/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,864
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,264
−HK$407/mo
Today · 4.125%
HK$13,671
baseline
▲ 0.50% · 4.625%
HK$14,503
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,342/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$6,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,311
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$389/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,168/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$6,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,540
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,054
−HK$523/mo
Today · 4.125%
HK$17,577
baseline
▲ 0.50% · 4.625%
HK$18,646
+HK$1,069/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,154/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,400
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,894
−HK$500/mo
Today · 4.125%
HK$19,394
baseline
▲ 0.50% · 4.625%
HK$20,417
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,788/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,037 · 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).