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$9,066
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,348
−HK$286/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,268/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$10,086
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,356
−HK$275/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,191
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,262/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$10,879
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$343/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,265
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,122/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$12,103
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,428
−HK$329/mo
Today · 4.125%
HK$12,757
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$672/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,514/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$12,692
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$401/mo
Today · 4.125%
HK$13,488
baseline
▲ 0.50% · 4.625%
HK$14,309
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,976/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$14,120
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,499
−HK$384/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,766/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$16,319
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$516/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,397
+HK$1,055/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,684/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$18,154
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,641
−HK$494/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,270/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).