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$9,116
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$288/mo
Today · 4.125%
HK$9,688
baseline
▲ 0.50% · 4.625%
HK$10,277
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,376/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$10,142
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,414
−HK$276/mo
Today · 4.125%
HK$10,690
baseline
▲ 0.50% · 4.625%
HK$11,253
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,380/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$10,939
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,280
−HK$346/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,333
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,252/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$12,170
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,496
−HK$332/mo
Today · 4.125%
HK$12,828
baseline
▲ 0.50% · 4.625%
HK$13,504
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,656/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$12,763
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,160
−HK$403/mo
Today · 4.125%
HK$13,563
baseline
▲ 0.50% · 4.625%
HK$14,388
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,126/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$14,198
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,579
−HK$387/mo
Today · 4.125%
HK$14,966
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,932/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$16,409
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,920
−HK$518/mo
Today · 4.125%
HK$17,438
baseline
▲ 0.50% · 4.625%
HK$18,499
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,876/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$18,255
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,745
−HK$496/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,256
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,482/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).