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$9,125
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$289/mo
Today · 4.125%
HK$9,698
baseline
▲ 0.50% · 4.625%
HK$10,288
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,396/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,152
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,424
−HK$276/mo
Today · 4.125%
HK$10,700
baseline
▲ 0.50% · 4.625%
HK$11,264
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,400/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,950
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,291
−HK$346/mo
Today · 4.125%
HK$11,637
baseline
▲ 0.50% · 4.625%
HK$12,345
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,274/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,182
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,509
−HK$331/mo
Today · 4.125%
HK$12,840
baseline
▲ 0.50% · 4.625%
HK$13,517
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,680/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,775
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,173
−HK$404/mo
Today · 4.125%
HK$13,577
baseline
▲ 0.50% · 4.625%
HK$14,403
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,154/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,213
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,594
−HK$386/mo
Today · 4.125%
HK$14,980
baseline
▲ 0.50% · 4.625%
HK$15,770
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,960/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,426
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$520/mo
Today · 4.125%
HK$17,456
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$1,062/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,912/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$497/mo
Today · 4.125%
HK$19,260
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,016/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,520/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$474 · 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).