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$9,135
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,419
−HK$289/mo
Today · 4.125%
HK$9,708
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,416/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,162
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,435
−HK$276/mo
Today · 4.125%
HK$10,711
baseline
▲ 0.50% · 4.625%
HK$11,276
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,422/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,962
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,303
−HK$346/mo
Today · 4.125%
HK$11,649
baseline
▲ 0.50% · 4.625%
HK$12,358
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,298/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,195
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,522
−HK$332/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,531
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,708/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,789
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,186
−HK$405/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$827/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,182/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,227
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$387/mo
Today · 4.125%
HK$14,996
baseline
▲ 0.50% · 4.625%
HK$15,786
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,992/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,443
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$520/mo
Today · 4.125%
HK$17,474
baseline
▲ 0.50% · 4.625%
HK$18,537
+HK$1,063/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,948/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,292
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,783
−HK$497/mo
Today · 4.125%
HK$19,280
baseline
▲ 0.50% · 4.625%
HK$20,297
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,560/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,305 · 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).