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$9,105
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$287/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,350/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$10,129
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,400
−HK$276/mo
Today · 4.125%
HK$10,676
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,352/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$10,925
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$346/mo
Today · 4.125%
HK$11,611
baseline
▲ 0.50% · 4.625%
HK$12,317
+HK$706/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,222/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$12,154
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$331/mo
Today · 4.125%
HK$12,811
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$675/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,622/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$12,746
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,143
−HK$403/mo
Today · 4.125%
HK$13,546
baseline
▲ 0.50% · 4.625%
HK$14,370
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,092/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$14,180
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,560
−HK$386/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,734
+HK$788/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,892/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$16,388
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$518/mo
Today · 4.125%
HK$17,416
baseline
▲ 0.50% · 4.625%
HK$18,476
+HK$1,060/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,832/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,232
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,721
−HK$496/mo
Today · 4.125%
HK$19,217
baseline
▲ 0.50% · 4.625%
HK$20,230
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,434/mo (50% DSR)
Upfront cash ≈ HK$399K (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).