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$9,106
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,389
−HK$288/mo
Today · 4.125%
HK$9,677
baseline
▲ 0.50% · 4.625%
HK$10,266
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,354/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$10,130
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$275/mo
Today · 4.125%
HK$10,677
baseline
▲ 0.50% · 4.625%
HK$11,240
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,354/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$10,927
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,267
−HK$345/mo
Today · 4.125%
HK$11,612
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,224/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$12,156
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$331/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$675/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,626/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$12,748
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,145
−HK$403/mo
Today · 4.125%
HK$13,548
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$824/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,096/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$14,182
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,563
−HK$385/mo
Today · 4.125%
HK$14,948
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,896/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$16,390
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$518/mo
Today · 4.125%
HK$17,418
baseline
▲ 0.50% · 4.625%
HK$18,478
+HK$1,060/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,836/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$18,234
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,723
−HK$496/mo
Today · 4.125%
HK$19,219
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,438/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).