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$10,262
+HK$589/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$10,398
−HK$275/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,236
+HK$563/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$10,923
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$346/mo
Today · 4.125%
HK$11,608
baseline
▲ 0.50% · 4.625%
HK$12,314
+HK$706/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,216/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$657/mo
▼ 0.25% · 3.875%
HK$12,477
−HK$331/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$675/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,616/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$14,557
−HK$385/mo
Today · 4.125%
HK$14,942
baseline
▲ 0.50% · 4.625%
HK$15,730
+HK$788/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$16,384
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$517/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$1,060/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$18,227
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$496/mo
Today · 4.125%
HK$19,212
baseline
▲ 0.50% · 4.625%
HK$20,224
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,424/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).