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$9,054
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,336
−HK$286/mo
Today · 4.125%
HK$9,622
baseline
▲ 0.50% · 4.625%
HK$10,208
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,244/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$10,073
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,343
−HK$274/mo
Today · 4.125%
HK$10,617
baseline
▲ 0.50% · 4.625%
HK$11,177
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,234/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$10,865
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,203
−HK$343/mo
Today · 4.125%
HK$11,546
baseline
▲ 0.50% · 4.625%
HK$12,249
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,092/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,087
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,411
−HK$329/mo
Today · 4.125%
HK$12,740
baseline
▲ 0.50% · 4.625%
HK$13,412
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,480/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,676
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,070
−HK$401/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,291
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$384/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,647
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,728/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,298
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,805
−HK$515/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,374
+HK$1,054/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,640/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,131
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$494/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,118
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$397K (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).