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$9,111
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$287/mo
Today · 4.125%
HK$9,682
baseline
▲ 0.50% · 4.625%
HK$10,272
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,364/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,136
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,408
−HK$276/mo
Today · 4.125%
HK$10,684
baseline
▲ 0.50% · 4.625%
HK$11,247
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,368/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,933
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,273
−HK$346/mo
Today · 4.125%
HK$11,619
baseline
▲ 0.50% · 4.625%
HK$12,326
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,238/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,163
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$331/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,640/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,756
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,152
−HK$403/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,380
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,110/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,190
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$386/mo
Today · 4.125%
HK$14,957
baseline
▲ 0.50% · 4.625%
HK$15,746
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,914/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,400
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,910
−HK$518/mo
Today · 4.125%
HK$17,428
baseline
▲ 0.50% · 4.625%
HK$18,489
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,856/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,245
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,734
−HK$497/mo
Today · 4.125%
HK$19,231
baseline
▲ 0.50% · 4.625%
HK$20,244
+HK$1,013/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,462/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · 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).