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$9,139
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$288/mo
Today · 4.125%
HK$9,712
baseline
▲ 0.50% · 4.625%
HK$10,303
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,424/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,167
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,440
−HK$277/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,434/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,967
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,308
−HK$347/mo
Today · 4.125%
HK$11,655
baseline
▲ 0.50% · 4.625%
HK$12,364
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,310/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,201
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,528
−HK$332/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,538
+HK$678/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,720/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,795
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,193
−HK$404/mo
Today · 4.125%
HK$13,597
baseline
▲ 0.50% · 4.625%
HK$14,425
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,194/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,234
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,616
−HK$387/mo
Today · 4.125%
HK$15,003
baseline
▲ 0.50% · 4.625%
HK$15,794
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,006/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,451
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,962
−HK$520/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,964/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,301
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$498/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,705 · 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).