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$9,133
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,417
−HK$289/mo
Today · 4.125%
HK$9,706
baseline
▲ 0.50% · 4.625%
HK$10,296
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,412/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,160
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,433
−HK$276/mo
Today · 4.125%
HK$10,709
baseline
▲ 0.50% · 4.625%
HK$11,274
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,418/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,960
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$346/mo
Today · 4.125%
HK$11,647
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,294/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,192
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$332/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$678/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,702/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,786
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,184
−HK$404/mo
Today · 4.125%
HK$13,588
baseline
▲ 0.50% · 4.625%
HK$14,415
+HK$827/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,176/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,225
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,606
−HK$387/mo
Today · 4.125%
HK$14,993
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,986/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,951
−HK$519/mo
Today · 4.125%
HK$17,470
baseline
▲ 0.50% · 4.625%
HK$18,533
+HK$1,063/mo
Deposit HK$401K · loan HK$3.60M · min. income ≈ HK$34,940/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,289
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,779
−HK$498/mo
Today · 4.125%
HK$19,277
baseline
▲ 0.50% · 4.625%
HK$20,293
+HK$1,016/mo
Deposit HK$401K · loan HK$3.60M · min. income ≈ HK$38,554/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,150 · 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).