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$9,069
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$287/mo
Today · 4.125%
HK$9,638
baseline
▲ 0.50% · 4.625%
HK$10,224
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,276/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$10,089
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,360
−HK$274/mo
Today · 4.125%
HK$10,634
baseline
▲ 0.50% · 4.625%
HK$11,195
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,268/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$10,883
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,221
−HK$344/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,269
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,130/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$12,107
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$329/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,522/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$12,696
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,091
−HK$402/mo
Today · 4.125%
HK$13,493
baseline
▲ 0.50% · 4.625%
HK$14,314
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,986/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$14,125
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,503
−HK$385/mo
Today · 4.125%
HK$14,888
baseline
▲ 0.50% · 4.625%
HK$15,672
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,776/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$16,324
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,832
−HK$516/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,403
+HK$1,055/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,696/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$18,160
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,647
−HK$494/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,150
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,282/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).