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$9,136
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,420
−HK$288/mo
Today · 4.125%
HK$9,708
baseline
▲ 0.50% · 4.625%
HK$10,299
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,416/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,163
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,436
−HK$276/mo
Today · 4.125%
HK$10,712
baseline
▲ 0.50% · 4.625%
HK$11,277
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,424/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,963
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,304
−HK$346/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,300/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,196
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$332/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,710/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,790
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,188
−HK$404/mo
Today · 4.125%
HK$13,592
baseline
▲ 0.50% · 4.625%
HK$14,419
+HK$827/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,184/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,229
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$387/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$791/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,994/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,444
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,956
−HK$519/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,950/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,294
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$497/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,380 · 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).