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$9,147
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$289/mo
Today · 4.125%
HK$9,720
baseline
▲ 0.50% · 4.625%
HK$10,312
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,440/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,175
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,448
−HK$277/mo
Today · 4.125%
HK$10,725
baseline
▲ 0.50% · 4.625%
HK$11,290
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,450/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,976
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,317
−HK$347/mo
Today · 4.125%
HK$11,664
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$710/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,328/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,210
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,538
−HK$332/mo
Today · 4.125%
HK$12,870
baseline
▲ 0.50% · 4.625%
HK$13,549
+HK$679/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,740/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,805
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,203
−HK$405/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,436
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,216/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,246
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,628
−HK$387/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,807
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,464
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$520/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$1,065/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,316
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$498/mo
Today · 4.125%
HK$19,305
baseline
▲ 0.50% · 4.625%
HK$20,323
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,610/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,335 · 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).