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$9,124
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,408
−HK$289/mo
Today · 4.125%
HK$9,697
baseline
▲ 0.50% · 4.625%
HK$10,287
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,394/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,151
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,423
−HK$276/mo
Today · 4.125%
HK$10,699
baseline
▲ 0.50% · 4.625%
HK$11,263
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,398/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,949
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,290
−HK$346/mo
Today · 4.125%
HK$11,636
baseline
▲ 0.50% · 4.625%
HK$12,344
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,272/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,181
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,508
−HK$331/mo
Today · 4.125%
HK$12,839
baseline
▲ 0.50% · 4.625%
HK$13,516
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,678/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,774
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,171
−HK$404/mo
Today · 4.125%
HK$13,575
baseline
▲ 0.50% · 4.625%
HK$14,401
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,150/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,211
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$387/mo
Today · 4.125%
HK$14,979
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,958/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,424
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$519/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,516
+HK$1,062/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,271
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$497/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,016/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$392 · 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).