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$9,129
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,413
−HK$289/mo
Today · 4.125%
HK$9,702
baseline
▲ 0.50% · 4.625%
HK$10,292
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,404/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,156
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$277/mo
Today · 4.125%
HK$10,705
baseline
▲ 0.50% · 4.625%
HK$11,269
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,410/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,955
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$346/mo
Today · 4.125%
HK$11,642
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,284/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,187
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,514
−HK$332/mo
Today · 4.125%
HK$12,846
baseline
▲ 0.50% · 4.625%
HK$13,523
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,692/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,781
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$404/mo
Today · 4.125%
HK$13,582
baseline
▲ 0.50% · 4.625%
HK$14,409
+HK$827/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,164/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,219
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,600
−HK$387/mo
Today · 4.125%
HK$14,987
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,974/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,432
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,944
−HK$519/mo
Today · 4.125%
HK$17,463
baseline
▲ 0.50% · 4.625%
HK$18,526
+HK$1,063/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,926/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$498/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,538/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$813 · 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).