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$9,128
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,412
−HK$288/mo
Today · 4.125%
HK$9,700
baseline
▲ 0.50% · 4.625%
HK$10,290
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,400/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,154
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,427
−HK$276/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,267
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,406/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,953
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,294
−HK$346/mo
Today · 4.125%
HK$11,640
baseline
▲ 0.50% · 4.625%
HK$12,348
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,280/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,185
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,512
−HK$332/mo
Today · 4.125%
HK$12,844
baseline
▲ 0.50% · 4.625%
HK$13,521
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,688/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,779
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$404/mo
Today · 4.125%
HK$13,580
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,160/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,216
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,598
−HK$386/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,774
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,430
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,941
−HK$519/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,523
+HK$1,063/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,920/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,278
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,768
−HK$498/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,281
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,532/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$685 · 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).