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$9,096
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,379
−HK$287/mo
Today · 4.125%
HK$9,666
baseline
▲ 0.50% · 4.625%
HK$10,254
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,332/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$10,119
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,390
−HK$276/mo
Today · 4.125%
HK$10,666
baseline
▲ 0.50% · 4.625%
HK$11,228
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,332/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$10,915
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,255
−HK$344/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,305
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,198/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$12,143
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,469
−HK$330/mo
Today · 4.125%
HK$12,799
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,598/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$12,734
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,130
−HK$403/mo
Today · 4.125%
HK$13,533
baseline
▲ 0.50% · 4.625%
HK$14,356
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,066/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$14,167
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,547
−HK$385/mo
Today · 4.125%
HK$14,932
baseline
▲ 0.50% · 4.625%
HK$15,719
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,864/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$16,373
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$517/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,458
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,798/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$18,214
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,703
−HK$495/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,210
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,396/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).