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$9,142
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,427
−HK$289/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,307
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,432/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,171
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,444
−HK$276/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,285
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,440/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,971
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,312
−HK$347/mo
Today · 4.125%
HK$11,659
baseline
▲ 0.50% · 4.625%
HK$12,368
+HK$709/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$23,318/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$1,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,205
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,532
−HK$332/mo
Today · 4.125%
HK$12,864
baseline
▲ 0.50% · 4.625%
HK$13,542
+HK$678/mo
Deposit HK$1.60M · loan HK$2.41M · min. income ≈ HK$25,728/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$1,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,799
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,197
−HK$405/mo
Today · 4.125%
HK$13,602
baseline
▲ 0.50% · 4.625%
HK$14,430
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,204/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,239
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,621
−HK$387/mo
Today · 4.125%
HK$15,008
baseline
▲ 0.50% · 4.625%
HK$15,799
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,016/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,456
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,968
−HK$520/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,552
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,307
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$498/mo
Today · 4.125%
HK$19,296
baseline
▲ 0.50% · 4.625%
HK$20,314
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,592/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,971 · 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).