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$9,126
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,410
−HK$289/mo
Today · 4.125%
HK$9,699
baseline
▲ 0.50% · 4.625%
HK$10,289
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,398/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,153
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,425
−HK$277/mo
Today · 4.125%
HK$10,702
baseline
▲ 0.50% · 4.625%
HK$11,266
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,404/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,952
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,292
−HK$346/mo
Today · 4.125%
HK$11,638
baseline
▲ 0.50% · 4.625%
HK$12,347
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,276/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,184
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$332/mo
Today · 4.125%
HK$12,842
baseline
▲ 0.50% · 4.625%
HK$13,519
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,684/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,777
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,174
−HK$404/mo
Today · 4.125%
HK$13,578
baseline
▲ 0.50% · 4.625%
HK$14,404
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,156/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,214
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$387/mo
Today · 4.125%
HK$14,982
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,964/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,428
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,939
−HK$519/mo
Today · 4.125%
HK$17,458
baseline
▲ 0.50% · 4.625%
HK$18,520
+HK$1,062/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,916/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,275
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,766
−HK$497/mo
Today · 4.125%
HK$19,263
baseline
▲ 0.50% · 4.625%
HK$20,278
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,526/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$573 · 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).