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$9,130
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,414
−HK$288/mo
Today · 4.125%
HK$9,702
baseline
▲ 0.50% · 4.625%
HK$10,293
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,404/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,157
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,429
−HK$276/mo
Today · 4.125%
HK$10,705
baseline
▲ 0.50% · 4.625%
HK$11,270
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,410/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,956
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$347/mo
Today · 4.125%
HK$11,643
baseline
▲ 0.50% · 4.625%
HK$12,351
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,286/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,188
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,515
−HK$331/mo
Today · 4.125%
HK$12,846
baseline
▲ 0.50% · 4.625%
HK$13,524
+HK$678/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,692/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,782
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,179
−HK$404/mo
Today · 4.125%
HK$13,583
baseline
▲ 0.50% · 4.625%
HK$14,410
+HK$827/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,166/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,219
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$387/mo
Today · 4.125%
HK$14,988
baseline
▲ 0.50% · 4.625%
HK$15,778
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,976/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,433
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$519/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,527
+HK$1,063/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,282
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$498/mo
Today · 4.125%
HK$19,270
baseline
▲ 0.50% · 4.625%
HK$20,285
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,540/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$858 · 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).