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$9,057
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$286/mo
Today · 4.125%
HK$9,625
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,250/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$10,076
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$275/mo
Today · 4.125%
HK$10,621
baseline
▲ 0.50% · 4.625%
HK$11,180
+HK$559/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,242/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$10,869
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,207
−HK$343/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,253
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,100/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$12,091
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$329/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,490/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$12,680
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,075
−HK$401/mo
Today · 4.125%
HK$13,476
baseline
▲ 0.50% · 4.625%
HK$14,295
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,952/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$14,107
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,485
−HK$384/mo
Today · 4.125%
HK$14,869
baseline
▲ 0.50% · 4.625%
HK$15,653
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,738/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$16,303
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,810
−HK$516/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,380
+HK$1,054/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,652/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$18,137
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,624
−HK$493/mo
Today · 4.125%
HK$19,117
baseline
▲ 0.50% · 4.625%
HK$20,125
+HK$1,008/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,234/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).