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$9,141
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$289/mo
Today · 4.125%
HK$9,714
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,428/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,169
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$276/mo
Today · 4.125%
HK$10,718
baseline
▲ 0.50% · 4.625%
HK$11,283
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,436/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,969
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$347/mo
Today · 4.125%
HK$11,657
baseline
▲ 0.50% · 4.625%
HK$12,366
+HK$709/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,314/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$1,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,203
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,530
−HK$332/mo
Today · 4.125%
HK$12,862
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$678/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,724/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$1,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,797
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,195
−HK$405/mo
Today · 4.125%
HK$13,600
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$827/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,200/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,237
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,618
−HK$388/mo
Today · 4.125%
HK$15,006
baseline
▲ 0.50% · 4.625%
HK$15,797
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,012/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,453
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,965
−HK$520/mo
Today · 4.125%
HK$17,485
baseline
▲ 0.50% · 4.625%
HK$18,549
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,970/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,304
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,795
−HK$498/mo
Today · 4.125%
HK$19,293
baseline
▲ 0.50% · 4.625%
HK$20,310
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,586/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,833 · 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).