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$9,072
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,355
−HK$286/mo
Today · 4.125%
HK$9,641
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,282/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$10,093
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,364
−HK$274/mo
Today · 4.125%
HK$10,638
baseline
▲ 0.50% · 4.625%
HK$11,199
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,276/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$10,887
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$345/mo
Today · 4.125%
HK$11,570
baseline
▲ 0.50% · 4.625%
HK$12,273
+HK$703/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,140/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$12,111
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$330/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,532/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$12,701
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,096
−HK$402/mo
Today · 4.125%
HK$13,498
baseline
▲ 0.50% · 4.625%
HK$14,319
+HK$821/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$26,996/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$14,130
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,509
−HK$384/mo
Today · 4.125%
HK$14,893
baseline
▲ 0.50% · 4.625%
HK$15,678
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,786/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$16,330
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,838
−HK$516/mo
Today · 4.125%
HK$17,354
baseline
▲ 0.50% · 4.625%
HK$18,410
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,708/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$18,167
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,654
−HK$495/mo
Today · 4.125%
HK$19,149
baseline
▲ 0.50% · 4.625%
HK$20,158
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,298/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).