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$9,100
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$287/mo
Today · 4.125%
HK$9,670
baseline
▲ 0.50% · 4.625%
HK$10,259
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,340/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$10,123
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$275/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,233
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,340/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$10,920
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$345/mo
Today · 4.125%
HK$11,604
baseline
▲ 0.50% · 4.625%
HK$12,311
+HK$707/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,208/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$12,148
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$330/mo
Today · 4.125%
HK$12,804
baseline
▲ 0.50% · 4.625%
HK$13,479
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,608/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$12,740
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,136
−HK$403/mo
Today · 4.125%
HK$13,539
baseline
▲ 0.50% · 4.625%
HK$14,362
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,078/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$14,173
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,553
−HK$385/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,726
+HK$788/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,876/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$16,380
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,889
−HK$518/mo
Today · 4.125%
HK$17,407
baseline
▲ 0.50% · 4.625%
HK$18,466
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,814/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$18,222
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$496/mo
Today · 4.125%
HK$19,207
baseline
▲ 0.50% · 4.625%
HK$20,219
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,414/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).