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$9,102
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$288/mo
Today · 4.125%
HK$9,673
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$588/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,346/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$10,126
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,397
−HK$276/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,235
+HK$562/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,346/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$10,922
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$345/mo
Today · 4.125%
HK$11,607
baseline
▲ 0.50% · 4.625%
HK$12,313
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,214/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$12,151
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,477
−HK$330/mo
Today · 4.125%
HK$12,807
baseline
▲ 0.50% · 4.625%
HK$13,482
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,614/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$12,743
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,139
−HK$403/mo
Today · 4.125%
HK$13,542
baseline
▲ 0.50% · 4.625%
HK$14,366
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,084/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$14,176
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,556
−HK$386/mo
Today · 4.125%
HK$14,942
baseline
▲ 0.50% · 4.625%
HK$15,729
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,884/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$16,383
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$518/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,470
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,822/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,226
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,715
−HK$496/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,224
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$399K (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).