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$9,111
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,394
−HK$288/mo
Today · 4.125%
HK$9,682
baseline
▲ 0.50% · 4.625%
HK$10,271
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,364/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$10,135
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,407
−HK$276/mo
Today · 4.125%
HK$10,683
baseline
▲ 0.50% · 4.625%
HK$11,246
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,366/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$10,933
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,273
−HK$345/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,236/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$12,163
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$331/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,495
+HK$675/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,640/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$12,755
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,152
−HK$403/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$824/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,110/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$14,190
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$386/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,745
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,912/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$16,399
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,909
−HK$518/mo
Today · 4.125%
HK$17,427
baseline
▲ 0.50% · 4.625%
HK$18,488
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,854/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$496/mo
Today · 4.125%
HK$19,229
baseline
▲ 0.50% · 4.625%
HK$20,243
+HK$1,014/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,458/mo (50% DSR)
Upfront cash ≈ HK$400K (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).