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$9,061
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$287/mo
Today · 4.125%
HK$9,630
baseline
▲ 0.50% · 4.625%
HK$10,215
+HK$585/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,260/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$10,081
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$274/mo
Today · 4.125%
HK$10,625
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,250/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$10,874
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$343/mo
Today · 4.125%
HK$11,555
baseline
▲ 0.50% · 4.625%
HK$12,259
+HK$704/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,110/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$12,097
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,421
−HK$329/mo
Today · 4.125%
HK$12,750
baseline
▲ 0.50% · 4.625%
HK$13,422
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,500/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$12,686
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,080
−HK$401/mo
Today · 4.125%
HK$13,481
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,962/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$14,113
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,491
−HK$384/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,750/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$16,310
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$515/mo
Today · 4.125%
HK$17,333
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$1,055/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$34,666/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$18,145
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,632
−HK$493/mo
Today · 4.125%
HK$19,125
baseline
▲ 0.50% · 4.625%
HK$20,134
+HK$1,009/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$38,250/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).