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$9,138
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,422
−HK$289/mo
Today · 4.125%
HK$9,711
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,422/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,166
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,438
−HK$277/mo
Today · 4.125%
HK$10,715
baseline
▲ 0.50% · 4.625%
HK$11,280
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,430/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,965
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,306
−HK$347/mo
Today · 4.125%
HK$11,653
baseline
▲ 0.50% · 4.625%
HK$12,362
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,306/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,199
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,526
−HK$332/mo
Today · 4.125%
HK$12,858
baseline
▲ 0.50% · 4.625%
HK$13,536
+HK$678/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,716/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$1,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,793
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$404/mo
Today · 4.125%
HK$13,595
baseline
▲ 0.50% · 4.625%
HK$14,422
+HK$827/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,190/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,232
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,614
−HK$387/mo
Today · 4.125%
HK$15,001
baseline
▲ 0.50% · 4.625%
HK$15,792
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,002/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,448
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$519/mo
Today · 4.125%
HK$17,479
baseline
▲ 0.50% · 4.625%
HK$18,543
+HK$1,064/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,958/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,298
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,789
−HK$498/mo
Today · 4.125%
HK$19,287
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,016/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,574/mo (50% DSR)
Upfront cash ≈ HK$402K (deposit + AVD stamp duty HK$1,570 · 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).