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$9,113
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,396
−HK$288/mo
Today · 4.125%
HK$9,684
baseline
▲ 0.50% · 4.625%
HK$10,273
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,368/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$10,138
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,410
−HK$275/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,249
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,370/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$10,935
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$346/mo
Today · 4.125%
HK$11,621
baseline
▲ 0.50% · 4.625%
HK$12,328
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,242/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$12,165
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,491
−HK$331/mo
Today · 4.125%
HK$12,822
baseline
▲ 0.50% · 4.625%
HK$13,498
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,644/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$12,758
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,154
−HK$404/mo
Today · 4.125%
HK$13,558
baseline
▲ 0.50% · 4.625%
HK$14,383
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,116/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$14,193
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,573
−HK$387/mo
Today · 4.125%
HK$14,960
baseline
▲ 0.50% · 4.625%
HK$15,748
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,920/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$16,403
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,913
−HK$518/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,492
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,862/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$18,248
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$497/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,248
+HK$1,014/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,468/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).