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$9,065
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,347
−HK$286/mo
Today · 4.125%
HK$9,633
baseline
▲ 0.50% · 4.625%
HK$10,219
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,266/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$10,085
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,355
−HK$274/mo
Today · 4.125%
HK$10,629
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,258/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$10,878
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$344/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,263
+HK$703/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,120/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$12,101
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$329/mo
Today · 4.125%
HK$12,755
baseline
▲ 0.50% · 4.625%
HK$13,428
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,510/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$12,691
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,085
−HK$402/mo
Today · 4.125%
HK$13,487
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,974/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$14,118
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,497
−HK$384/mo
Today · 4.125%
HK$14,881
baseline
▲ 0.50% · 4.625%
HK$15,665
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,762/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$16,317
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$516/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,395
+HK$1,055/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,680/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$18,152
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,639
−HK$494/mo
Today · 4.125%
HK$19,133
baseline
▲ 0.50% · 4.625%
HK$20,141
+HK$1,008/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,266/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).