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$9,084
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$287/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,241
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,306/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$10,106
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,377
−HK$275/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,213
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,304/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$10,901
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$344/mo
Today · 4.125%
HK$11,584
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,168/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$12,127
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,452
−HK$330/mo
Today · 4.125%
HK$12,782
baseline
▲ 0.50% · 4.625%
HK$13,456
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,564/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$12,717
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,113
−HK$402/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,337
+HK$822/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,030/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,148
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,527
−HK$385/mo
Today · 4.125%
HK$14,912
baseline
▲ 0.50% · 4.625%
HK$15,698
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,824/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,351
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,860
−HK$516/mo
Today · 4.125%
HK$17,376
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$1,058/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$34,752/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$18,190
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$495/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,184
+HK$1,011/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$38,346/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).