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$9,112
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$288/mo
Today · 4.125%
HK$9,683
baseline
▲ 0.50% · 4.625%
HK$10,272
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,366/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$10,137
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,409
−HK$276/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,248
+HK$563/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,370/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$10,934
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,274
−HK$346/mo
Today · 4.125%
HK$11,620
baseline
▲ 0.50% · 4.625%
HK$12,327
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,240/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$12,164
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,490
−HK$331/mo
Today · 4.125%
HK$12,821
baseline
▲ 0.50% · 4.625%
HK$13,497
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,642/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$12,757
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$404/mo
Today · 4.125%
HK$13,557
baseline
▲ 0.50% · 4.625%
HK$14,381
+HK$824/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,114/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$14,192
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,572
−HK$386/mo
Today · 4.125%
HK$14,958
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,916/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$16,401
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$518/mo
Today · 4.125%
HK$17,430
baseline
▲ 0.50% · 4.625%
HK$18,490
+HK$1,060/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,860/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$18,246
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,736
−HK$496/mo
Today · 4.125%
HK$19,232
baseline
▲ 0.50% · 4.625%
HK$20,246
+HK$1,014/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,464/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).