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$9,121
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,405
−HK$288/mo
Today · 4.125%
HK$9,693
baseline
▲ 0.50% · 4.625%
HK$10,283
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,386/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,147
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,419
−HK$276/mo
Today · 4.125%
HK$10,695
baseline
▲ 0.50% · 4.625%
HK$11,259
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,390/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,945
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,286
−HK$346/mo
Today · 4.125%
HK$11,632
baseline
▲ 0.50% · 4.625%
HK$12,340
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,264/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,177
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,503
−HK$332/mo
Today · 4.125%
HK$12,835
baseline
▲ 0.50% · 4.625%
HK$13,511
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,670/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,770
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,167
−HK$403/mo
Today · 4.125%
HK$13,570
baseline
▲ 0.50% · 4.625%
HK$14,396
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,140/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,206
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$387/mo
Today · 4.125%
HK$14,974
baseline
▲ 0.50% · 4.625%
HK$15,763
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,948/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,418
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,929
−HK$519/mo
Today · 4.125%
HK$17,448
baseline
▲ 0.50% · 4.625%
HK$18,509
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,896/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$497/mo
Today · 4.125%
HK$19,252
baseline
▲ 0.50% · 4.625%
HK$20,267
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,504/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$117 · 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).