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$9,097
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$288/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,256
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,336/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,121
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,392
−HK$275/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,230
+HK$563/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,334/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,917
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$345/mo
Today · 4.125%
HK$11,601
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,202/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$12,145
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,470
−HK$331/mo
Today · 4.125%
HK$12,801
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,602/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$12,736
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$403/mo
Today · 4.125%
HK$13,535
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,070/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$14,169
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,549
−HK$385/mo
Today · 4.125%
HK$14,934
baseline
▲ 0.50% · 4.625%
HK$15,721
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,868/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$16,375
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$518/mo
Today · 4.125%
HK$17,402
baseline
▲ 0.50% · 4.625%
HK$18,461
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,804/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$18,217
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,706
−HK$495/mo
Today · 4.125%
HK$19,201
baseline
▲ 0.50% · 4.625%
HK$20,213
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,402/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).