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$9,114
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,398
−HK$288/mo
Today · 4.125%
HK$9,686
baseline
▲ 0.50% · 4.625%
HK$10,275
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,372/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$10,139
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,411
−HK$276/mo
Today · 4.125%
HK$10,687
baseline
▲ 0.50% · 4.625%
HK$11,250
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,374/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$10,937
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$346/mo
Today · 4.125%
HK$11,623
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,246/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$12,167
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$332/mo
Today · 4.125%
HK$12,825
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,650/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$12,760
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,157
−HK$403/mo
Today · 4.125%
HK$13,560
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,120/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$14,195
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$386/mo
Today · 4.125%
HK$14,962
baseline
▲ 0.50% · 4.625%
HK$15,751
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,924/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$16,405
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,916
−HK$518/mo
Today · 4.125%
HK$17,434
baseline
▲ 0.50% · 4.625%
HK$18,495
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,868/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$18,251
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$497/mo
Today · 4.125%
HK$19,237
baseline
▲ 0.50% · 4.625%
HK$20,251
+HK$1,014/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,474/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).