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$9,117
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,401
−HK$288/mo
Today · 4.125%
HK$9,689
baseline
▲ 0.50% · 4.625%
HK$10,279
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,378/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$10,143
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,415
−HK$276/mo
Today · 4.125%
HK$10,691
baseline
▲ 0.50% · 4.625%
HK$11,254
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,382/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$10,941
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,281
−HK$346/mo
Today · 4.125%
HK$11,627
baseline
▲ 0.50% · 4.625%
HK$12,334
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,254/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$12,171
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$331/mo
Today · 4.125%
HK$12,829
baseline
▲ 0.50% · 4.625%
HK$13,505
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,658/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$12,764
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$404/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,130/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$14,200
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,581
−HK$386/mo
Today · 4.125%
HK$14,967
baseline
▲ 0.50% · 4.625%
HK$15,756
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,934/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$16,411
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$518/mo
Today · 4.125%
HK$17,440
baseline
▲ 0.50% · 4.625%
HK$18,501
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,880/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$18,257
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$497/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,258
+HK$1,014/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,488/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).