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$9,140
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$289/mo
Today · 4.125%
HK$9,713
baseline
▲ 0.50% · 4.625%
HK$10,304
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,426/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,168
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$277/mo
Today · 4.125%
HK$10,718
baseline
▲ 0.50% · 4.625%
HK$11,283
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,436/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,968
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,309
−HK$347/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$709/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,312/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$1,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,202
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,529
−HK$332/mo
Today · 4.125%
HK$12,861
baseline
▲ 0.50% · 4.625%
HK$13,539
+HK$678/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,722/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$1,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,796
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,194
−HK$405/mo
Today · 4.125%
HK$13,599
baseline
▲ 0.50% · 4.625%
HK$14,426
+HK$827/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,198/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,236
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,617
−HK$388/mo
Today · 4.125%
HK$15,005
baseline
▲ 0.50% · 4.625%
HK$15,796
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,010/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,452
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$520/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$498/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,309
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,771 · 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).