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$9,139
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,423
−HK$289/mo
Today · 4.125%
HK$9,712
baseline
▲ 0.50% · 4.625%
HK$10,303
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,424/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,167
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$277/mo
Today · 4.125%
HK$10,716
baseline
▲ 0.50% · 4.625%
HK$11,281
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,432/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,966
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,308
−HK$346/mo
Today · 4.125%
HK$11,654
baseline
▲ 0.50% · 4.625%
HK$12,363
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,308/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,200
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,527
−HK$332/mo
Today · 4.125%
HK$12,859
baseline
▲ 0.50% · 4.625%
HK$13,537
+HK$678/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,718/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,794
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,192
−HK$405/mo
Today · 4.125%
HK$13,597
baseline
▲ 0.50% · 4.625%
HK$14,424
+HK$827/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,194/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,233
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,615
−HK$387/mo
Today · 4.125%
HK$15,002
baseline
▲ 0.50% · 4.625%
HK$15,793
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,004/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,450
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,961
−HK$520/mo
Today · 4.125%
HK$17,481
baseline
▲ 0.50% · 4.625%
HK$18,545
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,962/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,300
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,791
−HK$498/mo
Today · 4.125%
HK$19,289
baseline
▲ 0.50% · 4.625%
HK$20,306
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,578/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,652 · 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).