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$9,090
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,373
−HK$287/mo
Today · 4.125%
HK$9,660
baseline
▲ 0.50% · 4.625%
HK$10,248
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,320/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$10,113
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,384
−HK$275/mo
Today · 4.125%
HK$10,659
baseline
▲ 0.50% · 4.625%
HK$11,221
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,318/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$10,908
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$345/mo
Today · 4.125%
HK$11,592
baseline
▲ 0.50% · 4.625%
HK$12,297
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,184/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$12,135
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$330/mo
Today · 4.125%
HK$12,791
baseline
▲ 0.50% · 4.625%
HK$13,465
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,582/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$12,726
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,122
−HK$402/mo
Today · 4.125%
HK$13,524
baseline
▲ 0.50% · 4.625%
HK$14,347
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,048/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$14,158
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,537
−HK$385/mo
Today · 4.125%
HK$14,922
baseline
▲ 0.50% · 4.625%
HK$15,709
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,844/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$16,362
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$517/mo
Today · 4.125%
HK$17,388
baseline
▲ 0.50% · 4.625%
HK$18,446
+HK$1,058/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,776/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,203
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,691
−HK$495/mo
Today · 4.125%
HK$19,186
baseline
▲ 0.50% · 4.625%
HK$20,197
+HK$1,011/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,372/mo (50% DSR)
Upfront cash ≈ HK$399K (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).