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$9,119
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,402
−HK$289/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,280
+HK$589/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$10,144
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$276/mo
Today · 4.125%
HK$10,693
baseline
▲ 0.50% · 4.625%
HK$11,256
+HK$563/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$10,942
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,283
−HK$346/mo
Today · 4.125%
HK$11,629
baseline
▲ 0.50% · 4.625%
HK$12,336
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,258/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$12,173
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,500
−HK$331/mo
Today · 4.125%
HK$12,831
baseline
▲ 0.50% · 4.625%
HK$13,507
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,662/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$12,766
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$404/mo
Today · 4.125%
HK$13,567
baseline
▲ 0.50% · 4.625%
HK$14,392
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,134/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$14,202
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,583
−HK$387/mo
Today · 4.125%
HK$14,970
baseline
▲ 0.50% · 4.625%
HK$15,759
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,940/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$16,414
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$519/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,504
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,886/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$18,260
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$497/mo
Today · 4.125%
HK$19,247
baseline
▲ 0.50% · 4.625%
HK$20,261
+HK$1,014/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,494/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).