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$9,137
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$289/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,420/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,164
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$277/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,278
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,428/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$1,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,964
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,305
−HK$347/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,304/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,197
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,524
−HK$332/mo
Today · 4.125%
HK$12,856
baseline
▲ 0.50% · 4.625%
HK$13,534
+HK$678/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,712/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,791
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,189
−HK$404/mo
Today · 4.125%
HK$13,593
baseline
▲ 0.50% · 4.625%
HK$14,421
+HK$828/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,186/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,230
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,612
−HK$387/mo
Today · 4.125%
HK$14,999
baseline
▲ 0.50% · 4.625%
HK$15,790
+HK$791/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,998/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,958
−HK$519/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,541
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,787
−HK$497/mo
Today · 4.125%
HK$19,284
baseline
▲ 0.50% · 4.625%
HK$20,301
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,568/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,470 · 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).