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$9,103
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$287/mo
Today · 4.125%
HK$9,673
baseline
▲ 0.50% · 4.625%
HK$10,262
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,346/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$10,126
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,398
−HK$276/mo
Today · 4.125%
HK$10,674
baseline
▲ 0.50% · 4.625%
HK$11,236
+HK$562/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,348/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$10,923
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,263
−HK$345/mo
Today · 4.125%
HK$11,608
baseline
▲ 0.50% · 4.625%
HK$12,314
+HK$706/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,216/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$12,152
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,478
−HK$330/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$675/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,616/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$12,744
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,140
−HK$403/mo
Today · 4.125%
HK$13,543
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,086/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$14,177
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,557
−HK$386/mo
Today · 4.125%
HK$14,943
baseline
▲ 0.50% · 4.625%
HK$15,731
+HK$788/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,886/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$16,385
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$518/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,824/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$18,228
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$496/mo
Today · 4.125%
HK$19,212
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,424/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).