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$9,075
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,358
−HK$287/mo
Today · 4.125%
HK$9,645
baseline
▲ 0.50% · 4.625%
HK$10,231
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,290/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$10,096
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,367
−HK$275/mo
Today · 4.125%
HK$10,642
baseline
▲ 0.50% · 4.625%
HK$11,203
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,284/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$10,891
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$345/mo
Today · 4.125%
HK$11,574
baseline
▲ 0.50% · 4.625%
HK$12,278
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,148/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$12,116
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,441
−HK$329/mo
Today · 4.125%
HK$12,770
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,540/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$12,706
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,101
−HK$401/mo
Today · 4.125%
HK$13,502
baseline
▲ 0.50% · 4.625%
HK$14,324
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,004/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$14,135
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,514
−HK$385/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,684
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,798/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$16,336
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,844
−HK$516/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$1,057/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,720/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$18,174
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$494/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,165
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,310/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).