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$9,053
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,335
−HK$286/mo
Today · 4.125%
HK$9,621
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$585/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,242/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$10,071
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$275/mo
Today · 4.125%
HK$10,616
baseline
▲ 0.50% · 4.625%
HK$11,175
+HK$559/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,232/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$10,864
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,202
−HK$343/mo
Today · 4.125%
HK$11,545
baseline
▲ 0.50% · 4.625%
HK$12,247
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,090/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$12,086
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,410
−HK$329/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,410
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,478/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$12,674
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,068
−HK$401/mo
Today · 4.125%
HK$13,469
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,938/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$14,100
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,478
−HK$384/mo
Today · 4.125%
HK$14,862
baseline
▲ 0.50% · 4.625%
HK$15,645
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,724/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$16,295
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,802
−HK$515/mo
Today · 4.125%
HK$17,317
baseline
▲ 0.50% · 4.625%
HK$18,371
+HK$1,054/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,634/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$18,128
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,615
−HK$493/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,216/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).