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$9,105
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,389
−HK$287/mo
Today · 4.125%
HK$9,676
baseline
▲ 0.50% · 4.625%
HK$10,265
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,352/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$10,130
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,401
−HK$276/mo
Today · 4.125%
HK$10,677
baseline
▲ 0.50% · 4.625%
HK$11,240
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,354/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$10,926
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,266
−HK$346/mo
Today · 4.125%
HK$11,612
baseline
▲ 0.50% · 4.625%
HK$12,318
+HK$706/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,224/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$12,156
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$330/mo
Today · 4.125%
HK$12,812
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,624/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$12,748
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,144
−HK$403/mo
Today · 4.125%
HK$13,547
baseline
▲ 0.50% · 4.625%
HK$14,371
+HK$824/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,094/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$14,182
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$386/mo
Today · 4.125%
HK$14,948
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,896/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$16,390
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$517/mo
Today · 4.125%
HK$17,417
baseline
▲ 0.50% · 4.625%
HK$18,477
+HK$1,060/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,834/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,233
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,722
−HK$496/mo
Today · 4.125%
HK$19,218
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,014/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,436/mo (50% DSR)
Upfront cash ≈ HK$399K (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).