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$9,099
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,382
−HK$287/mo
Today · 4.125%
HK$9,669
baseline
▲ 0.50% · 4.625%
HK$10,258
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,338/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$10,122
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,394
−HK$275/mo
Today · 4.125%
HK$10,669
baseline
▲ 0.50% · 4.625%
HK$11,231
+HK$562/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,338/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$10,918
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,258
−HK$345/mo
Today · 4.125%
HK$11,603
baseline
▲ 0.50% · 4.625%
HK$12,309
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,206/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$12,147
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,472
−HK$331/mo
Today · 4.125%
HK$12,803
baseline
▲ 0.50% · 4.625%
HK$13,478
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,606/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$12,738
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,134
−HK$403/mo
Today · 4.125%
HK$13,537
baseline
▲ 0.50% · 4.625%
HK$14,361
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,074/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$14,171
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,551
−HK$386/mo
Today · 4.125%
HK$14,937
baseline
▲ 0.50% · 4.625%
HK$15,724
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,874/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$16,378
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$518/mo
Today · 4.125%
HK$17,405
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,810/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$18,220
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,709
−HK$495/mo
Today · 4.125%
HK$19,204
baseline
▲ 0.50% · 4.625%
HK$20,217
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,408/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).