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$9,101
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,384
−HK$287/mo
Today · 4.125%
HK$9,671
baseline
▲ 0.50% · 4.625%
HK$10,260
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,342/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$10,124
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,396
−HK$275/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,234
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,342/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$10,921
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,260
−HK$345/mo
Today · 4.125%
HK$11,605
baseline
▲ 0.50% · 4.625%
HK$12,312
+HK$707/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,210/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$12,149
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$330/mo
Today · 4.125%
HK$12,805
baseline
▲ 0.50% · 4.625%
HK$13,480
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,610/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$12,741
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,137
−HK$403/mo
Today · 4.125%
HK$13,540
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,080/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$14,174
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,554
−HK$386/mo
Today · 4.125%
HK$14,940
baseline
▲ 0.50% · 4.625%
HK$15,727
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,880/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$16,381
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,891
−HK$517/mo
Today · 4.125%
HK$17,408
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,816/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$18,224
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$496/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,416/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).