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$9,064
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,346
−HK$286/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,218
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,264/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$10,083
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,354
−HK$274/mo
Today · 4.125%
HK$10,628
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,256/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$10,876
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,215
−HK$343/mo
Today · 4.125%
HK$11,558
baseline
▲ 0.50% · 4.625%
HK$12,262
+HK$704/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,116/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$12,100
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,424
−HK$330/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,426
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,508/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$12,689
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,084
−HK$401/mo
Today · 4.125%
HK$13,485
baseline
▲ 0.50% · 4.625%
HK$14,305
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,970/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$14,117
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,495
−HK$384/mo
Today · 4.125%
HK$14,879
baseline
▲ 0.50% · 4.625%
HK$15,664
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,758/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$16,315
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$516/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$1,055/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$34,676/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$18,150
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$493/mo
Today · 4.125%
HK$19,130
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,009/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$38,260/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).