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$10,299
+HK$591/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$1,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,163
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,435
−HK$277/mo
Today · 4.125%
HK$10,712
baseline
▲ 0.50% · 4.625%
HK$11,277
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,424/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,962
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,303
−HK$347/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,300/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,196
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$331/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$678/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$1,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,789
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,187
−HK$404/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$1,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,228
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$387/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,994/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,444
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,955
−HK$520/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,538
+HK$1,063/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,950/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,293
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$498/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,298
+HK$1,016/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,352 · 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).