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$9,120
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,403
−HK$288/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,281
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,382/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$10,145
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$276/mo
Today · 4.125%
HK$10,693
baseline
▲ 0.50% · 4.625%
HK$11,257
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,386/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$10,943
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,284
−HK$346/mo
Today · 4.125%
HK$11,630
baseline
▲ 0.50% · 4.625%
HK$12,337
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,260/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$12,174
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,501
−HK$331/mo
Today · 4.125%
HK$12,832
baseline
▲ 0.50% · 4.625%
HK$13,509
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,664/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$12,767
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$404/mo
Today · 4.125%
HK$13,568
baseline
▲ 0.50% · 4.625%
HK$14,393
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,136/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$14,203
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,584
−HK$387/mo
Today · 4.125%
HK$14,971
baseline
▲ 0.50% · 4.625%
HK$15,760
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,942/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$16,415
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$518/mo
Today · 4.125%
HK$17,444
baseline
▲ 0.50% · 4.625%
HK$18,506
+HK$1,062/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,888/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$18,262
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,751
−HK$497/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,496/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).