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$9,169
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,454
−HK$290/mo
Today · 4.125%
HK$9,744
baseline
▲ 0.50% · 4.625%
HK$10,337
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,488/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,200
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,474
−HK$277/mo
Today · 4.125%
HK$10,751
baseline
▲ 0.50% · 4.625%
HK$11,318
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,502/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,003
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,345
−HK$347/mo
Today · 4.125%
HK$11,692
baseline
▲ 0.50% · 4.625%
HK$12,404
+HK$712/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,384/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,240
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,568
−HK$334/mo
Today · 4.125%
HK$12,902
baseline
▲ 0.50% · 4.625%
HK$13,582
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,804/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,836
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,236
−HK$405/mo
Today · 4.125%
HK$13,641
baseline
▲ 0.50% · 4.625%
HK$14,471
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,282/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,280
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,663
−HK$389/mo
Today · 4.125%
HK$15,052
baseline
▲ 0.50% · 4.625%
HK$15,845
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,104/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,504
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,017
−HK$522/mo
Today · 4.125%
HK$17,539
baseline
▲ 0.50% · 4.625%
HK$18,606
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,078/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,360
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,853
−HK$499/mo
Today · 4.125%
HK$19,352
baseline
▲ 0.50% · 4.625%
HK$20,372
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,704/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,289 · 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).