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$9,080
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,363
−HK$287/mo
Today · 4.125%
HK$9,650
baseline
▲ 0.50% · 4.625%
HK$10,237
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,300/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$10,102
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,373
−HK$274/mo
Today · 4.125%
HK$10,647
baseline
▲ 0.50% · 4.625%
HK$11,209
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,294/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$10,896
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$345/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,160/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$12,122
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$330/mo
Today · 4.125%
HK$12,777
baseline
▲ 0.50% · 4.625%
HK$13,450
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,554/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$12,712
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,108
−HK$402/mo
Today · 4.125%
HK$13,510
baseline
▲ 0.50% · 4.625%
HK$14,332
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,020/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$14,142
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,522
−HK$384/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$786/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,812/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$16,344
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,853
−HK$516/mo
Today · 4.125%
HK$17,369
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$1,057/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,738/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,183
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,671
−HK$494/mo
Today · 4.125%
HK$19,165
baseline
▲ 0.50% · 4.625%
HK$20,176
+HK$1,011/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,330/mo (50% DSR)
Upfront cash ≈ HK$398K (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).