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$9,144
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,428
−HK$289/mo
Today · 4.125%
HK$9,717
baseline
▲ 0.50% · 4.625%
HK$10,308
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,434/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,172
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,445
−HK$277/mo
Today · 4.125%
HK$10,722
baseline
▲ 0.50% · 4.625%
HK$11,287
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,444/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,972
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,314
−HK$346/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,370
+HK$710/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,320/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,207
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,534
−HK$332/mo
Today · 4.125%
HK$12,866
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$678/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,732/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,801
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,199
−HK$405/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,241
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,623
−HK$388/mo
Today · 4.125%
HK$15,011
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,022/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,459
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,971
−HK$520/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,555
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,310
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,801
−HK$498/mo
Today · 4.125%
HK$19,299
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,598/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$2,086 · 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).