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$9,102
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$287/mo
Today · 4.125%
HK$9,672
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,344/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$10,125
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,397
−HK$275/mo
Today · 4.125%
HK$10,672
baseline
▲ 0.50% · 4.625%
HK$11,235
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,344/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$10,922
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$345/mo
Today · 4.125%
HK$11,607
baseline
▲ 0.50% · 4.625%
HK$12,313
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,214/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$12,150
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,476
−HK$331/mo
Today · 4.125%
HK$12,807
baseline
▲ 0.50% · 4.625%
HK$13,482
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,614/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$12,742
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$403/mo
Today · 4.125%
HK$13,541
baseline
▲ 0.50% · 4.625%
HK$14,365
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,082/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$14,176
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,556
−HK$385/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,729
+HK$788/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,882/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$16,383
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,892
−HK$518/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,469
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,820/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$18,226
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,714
−HK$496/mo
Today · 4.125%
HK$19,210
baseline
▲ 0.50% · 4.625%
HK$20,223
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,420/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).