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$9,110
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,394
−HK$287/mo
Today · 4.125%
HK$9,681
baseline
▲ 0.50% · 4.625%
HK$10,271
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,362/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$10,135
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,407
−HK$276/mo
Today · 4.125%
HK$10,683
baseline
▲ 0.50% · 4.625%
HK$11,246
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,366/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$10,932
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$346/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,236/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$12,162
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$331/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,495
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,638/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$12,754
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,151
−HK$403/mo
Today · 4.125%
HK$13,554
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,108/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$14,189
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$386/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,744
+HK$788/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,912/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$16,398
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$519/mo
Today · 4.125%
HK$17,427
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$1,060/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,854/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$18,243
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,732
−HK$497/mo
Today · 4.125%
HK$19,229
baseline
▲ 0.50% · 4.625%
HK$20,242
+HK$1,013/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,458/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).