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$9,059
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$286/mo
Today · 4.125%
HK$9,627
baseline
▲ 0.50% · 4.625%
HK$10,213
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,254/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$10,078
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$274/mo
Today · 4.125%
HK$10,623
baseline
▲ 0.50% · 4.625%
HK$11,183
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,246/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$10,871
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,209
−HK$344/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,106/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$12,094
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,419
−HK$329/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,496/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$12,683
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$400/mo
Today · 4.125%
HK$13,478
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,956/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$14,110
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,488
−HK$384/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,656
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,744/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$16,307
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,814
−HK$515/mo
Today · 4.125%
HK$17,329
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$1,055/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$34,658/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$18,141
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$493/mo
Today · 4.125%
HK$19,121
baseline
▲ 0.50% · 4.625%
HK$20,129
+HK$1,008/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$38,242/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).