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$9,128
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,412
−HK$289/mo
Today · 4.125%
HK$9,701
baseline
▲ 0.50% · 4.625%
HK$10,291
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,402/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,155
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$276/mo
Today · 4.125%
HK$10,704
baseline
▲ 0.50% · 4.625%
HK$11,268
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,408/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,954
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,295
−HK$346/mo
Today · 4.125%
HK$11,641
baseline
▲ 0.50% · 4.625%
HK$12,349
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,282/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,186
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,513
−HK$332/mo
Today · 4.125%
HK$12,845
baseline
▲ 0.50% · 4.625%
HK$13,522
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,690/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,780
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,177
−HK$404/mo
Today · 4.125%
HK$13,581
baseline
▲ 0.50% · 4.625%
HK$14,407
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,162/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,217
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,599
−HK$386/mo
Today · 4.125%
HK$14,985
baseline
▲ 0.50% · 4.625%
HK$15,775
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,970/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,431
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,942
−HK$519/mo
Today · 4.125%
HK$17,461
baseline
▲ 0.50% · 4.625%
HK$18,524
+HK$1,063/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,922/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,279
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$497/mo
Today · 4.125%
HK$19,267
baseline
▲ 0.50% · 4.625%
HK$20,283
+HK$1,016/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,534/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$744 · 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).