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$9,109
−HK$572/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$10,931
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,271
−HK$346/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$12,487
−HK$331/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$12,753
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$403/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,377
+HK$824/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$766/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$386/mo
Today · 4.125%
HK$14,954
baseline
▲ 0.50% · 4.625%
HK$15,742
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,908/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$1,028/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$518/mo
Today · 4.125%
HK$17,425
baseline
▲ 0.50% · 4.625%
HK$18,485
+HK$1,060/mo
Deposit HK$399K · loan HK$3.60M · min. income ≈ HK$34,850/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$18,241
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,731
−HK$496/mo
Today · 4.125%
HK$19,227
baseline
▲ 0.50% · 4.625%
HK$20,240
+HK$1,013/mo
Deposit HK$399K · loan HK$3.60M · min. income ≈ HK$38,454/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).