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$9,143
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,428
−HK$289/mo
Today · 4.125%
HK$9,717
baseline
▲ 0.50% · 4.625%
HK$10,308
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,434/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,172
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,445
−HK$276/mo
Today · 4.125%
HK$10,721
baseline
▲ 0.50% · 4.625%
HK$11,286
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,442/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,972
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,313
−HK$347/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$709/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,320/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,206
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$333/mo
Today · 4.125%
HK$12,866
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$678/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,732/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,801
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,199
−HK$404/mo
Today · 4.125%
HK$13,603
baseline
▲ 0.50% · 4.625%
HK$14,431
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,206/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$2,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,240
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,622
−HK$388/mo
Today · 4.125%
HK$15,010
baseline
▲ 0.50% · 4.625%
HK$15,801
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,020/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$2,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$520/mo
Today · 4.125%
HK$17,490
baseline
▲ 0.50% · 4.625%
HK$18,554
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,980/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,309
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,800
−HK$498/mo
Today · 4.125%
HK$19,298
baseline
▲ 0.50% · 4.625%
HK$20,316
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,596/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,049 · 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).