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$9,132
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$289/mo
Today · 4.125%
HK$9,705
baseline
▲ 0.50% · 4.625%
HK$10,295
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,410/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,159
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,432
−HK$276/mo
Today · 4.125%
HK$10,708
baseline
▲ 0.50% · 4.625%
HK$11,273
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,416/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,958
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$347/mo
Today · 4.125%
HK$11,646
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,292/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,191
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,518
−HK$332/mo
Today · 4.125%
HK$12,850
baseline
▲ 0.50% · 4.625%
HK$13,527
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,700/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,785
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,183
−HK$404/mo
Today · 4.125%
HK$13,587
baseline
▲ 0.50% · 4.625%
HK$14,413
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,174/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,223
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,604
−HK$387/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,782
+HK$791/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,982/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,438
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,949
−HK$519/mo
Today · 4.125%
HK$17,468
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$1,063/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,936/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,287
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$498/mo
Today · 4.125%
HK$19,275
baseline
▲ 0.50% · 4.625%
HK$20,291
+HK$1,016/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,550/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,065 · 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).