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$9,122
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,406
−HK$288/mo
Today · 4.125%
HK$9,694
baseline
▲ 0.50% · 4.625%
HK$10,284
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,388/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,148
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$277/mo
Today · 4.125%
HK$10,697
baseline
▲ 0.50% · 4.625%
HK$11,260
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,394/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,947
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,287
−HK$346/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,341
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,266/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,178
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,505
−HK$331/mo
Today · 4.125%
HK$12,836
baseline
▲ 0.50% · 4.625%
HK$13,513
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,672/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,771
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,168
−HK$404/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,398
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,144/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,208
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,589
−HK$386/mo
Today · 4.125%
HK$14,975
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,950/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,420
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,931
−HK$519/mo
Today · 4.125%
HK$17,450
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,900/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,267
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$497/mo
Today · 4.125%
HK$19,254
baseline
▲ 0.50% · 4.625%
HK$20,269
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,508/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$201 · 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).