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$9,109
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,392
−HK$288/mo
Today · 4.125%
HK$9,680
baseline
▲ 0.50% · 4.625%
HK$10,269
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,360/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$10,133
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,405
−HK$276/mo
Today · 4.125%
HK$10,681
baseline
▲ 0.50% · 4.625%
HK$11,244
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,362/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$10,930
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,270
−HK$346/mo
Today · 4.125%
HK$11,616
baseline
▲ 0.50% · 4.625%
HK$12,322
+HK$706/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,232/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$12,160
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,486
−HK$331/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$675/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,634/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$12,752
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,149
−HK$403/mo
Today · 4.125%
HK$13,552
baseline
▲ 0.50% · 4.625%
HK$14,376
+HK$824/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,104/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$14,186
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,567
−HK$386/mo
Today · 4.125%
HK$14,953
baseline
▲ 0.50% · 4.625%
HK$15,741
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,906/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$16,395
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,905
−HK$518/mo
Today · 4.125%
HK$17,423
baseline
▲ 0.50% · 4.625%
HK$18,484
+HK$1,061/mo
Deposit HK$399K · loan HK$3.60M · min. income ≈ HK$34,846/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,240
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,729
−HK$496/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,238
+HK$1,013/mo
Deposit HK$399K · loan HK$3.60M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$400K (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).