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$9,110
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,393
−HK$288/mo
Today · 4.125%
HK$9,681
baseline
▲ 0.50% · 4.625%
HK$10,270
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,362/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,134
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,406
−HK$276/mo
Today · 4.125%
HK$10,682
baseline
▲ 0.50% · 4.625%
HK$11,245
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,364/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,932
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$345/mo
Today · 4.125%
HK$11,617
baseline
▲ 0.50% · 4.625%
HK$12,324
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,234/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,161
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$330/mo
Today · 4.125%
HK$12,818
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,636/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,754
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$403/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,378
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,106/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,188
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$386/mo
Today · 4.125%
HK$14,955
baseline
▲ 0.50% · 4.625%
HK$15,743
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,910/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,397
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$518/mo
Today · 4.125%
HK$17,426
baseline
▲ 0.50% · 4.625%
HK$18,486
+HK$1,060/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,852/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,242
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,731
−HK$497/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,241
+HK$1,013/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · 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).