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$9,131
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,415
−HK$288/mo
Today · 4.125%
HK$9,703
baseline
▲ 0.50% · 4.625%
HK$10,294
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,406/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,158
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$277/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,271
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,414/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,957
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,298
−HK$346/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,353
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,288/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,190
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,517
−HK$331/mo
Today · 4.125%
HK$12,848
baseline
▲ 0.50% · 4.625%
HK$13,525
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,696/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,783
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,181
−HK$404/mo
Today · 4.125%
HK$13,585
baseline
▲ 0.50% · 4.625%
HK$14,411
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,170/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,221
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,603
−HK$387/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,780
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,436
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,947
−HK$519/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,529
+HK$1,063/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,284
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$497/mo
Today · 4.125%
HK$19,272
baseline
▲ 0.50% · 4.625%
HK$20,288
+HK$1,016/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,544/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$963 · 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).