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$9,127
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,411
−HK$289/mo
Today · 4.125%
HK$9,700
baseline
▲ 0.50% · 4.625%
HK$10,290
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,400/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,154
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,426
−HK$277/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,267
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,406/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,953
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,293
−HK$347/mo
Today · 4.125%
HK$11,640
baseline
▲ 0.50% · 4.625%
HK$12,348
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,280/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,185
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,512
−HK$331/mo
Today · 4.125%
HK$12,843
baseline
▲ 0.50% · 4.625%
HK$13,520
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,686/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,778
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$404/mo
Today · 4.125%
HK$13,580
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,160/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,216
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,597
−HK$387/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,774
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,429
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,940
−HK$519/mo
Today · 4.125%
HK$17,459
baseline
▲ 0.50% · 4.625%
HK$18,522
+HK$1,063/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,918/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,277
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,767
−HK$498/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,280
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$652 · 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).