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$572/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$288/mo
Today · 4.125%
HK$9,704
baseline
▲ 0.50% · 4.625%
HK$10,295
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,408/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,159
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,431
−HK$277/mo
Today · 4.125%
HK$10,708
baseline
▲ 0.50% · 4.625%
HK$11,272
+HK$564/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$1,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,958
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$346/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,290/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,190
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,517
−HK$332/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,526
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,698/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,784
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,182
−HK$404/mo
Today · 4.125%
HK$13,586
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,172/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,222
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,604
−HK$387/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,781
+HK$790/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$1,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,437
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$519/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$1,063/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,934/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$1,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,286
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,776
−HK$498/mo
Today · 4.125%
HK$19,274
baseline
▲ 0.50% · 4.625%
HK$20,290
+HK$1,016/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,548/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$1,022 · 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).