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$9,107
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,391
−HK$288/mo
Today · 4.125%
HK$9,679
baseline
▲ 0.50% · 4.625%
HK$10,267
+HK$588/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,358/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$10,132
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,404
−HK$275/mo
Today · 4.125%
HK$10,679
baseline
▲ 0.50% · 4.625%
HK$11,242
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,358/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$10,929
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$345/mo
Today · 4.125%
HK$11,614
baseline
▲ 0.50% · 4.625%
HK$12,321
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,228/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$12,158
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,484
−HK$331/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,491
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,630/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$12,750
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$403/mo
Today · 4.125%
HK$13,550
baseline
▲ 0.50% · 4.625%
HK$14,374
+HK$824/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,100/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$14,185
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,565
−HK$386/mo
Today · 4.125%
HK$14,951
baseline
▲ 0.50% · 4.625%
HK$15,739
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,902/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$16,393
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,903
−HK$518/mo
Today · 4.125%
HK$17,421
baseline
▲ 0.50% · 4.625%
HK$18,481
+HK$1,060/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,842/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$18,237
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,727
−HK$496/mo
Today · 4.125%
HK$19,223
baseline
▲ 0.50% · 4.625%
HK$20,236
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,446/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).