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$9,137
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$289/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,301
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,420/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,165
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$277/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,279
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,428/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,964
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,305
−HK$347/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,361
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,304/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,198
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,525
−HK$332/mo
Today · 4.125%
HK$12,857
baseline
▲ 0.50% · 4.625%
HK$13,534
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,714/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,792
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,189
−HK$405/mo
Today · 4.125%
HK$13,594
baseline
▲ 0.50% · 4.625%
HK$14,421
+HK$827/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,188/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,231
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,612
−HK$387/mo
Today · 4.125%
HK$14,999
baseline
▲ 0.50% · 4.625%
HK$15,790
+HK$791/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,998/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,958
−HK$520/mo
Today · 4.125%
HK$17,478
baseline
▲ 0.50% · 4.625%
HK$18,541
+HK$1,063/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,956/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,787
−HK$498/mo
Today · 4.125%
HK$19,285
baseline
▲ 0.50% · 4.625%
HK$20,301
+HK$1,016/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,570/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,489 · 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).