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$9,063
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$287/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,218
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,264/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$10,083
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$275/mo
Today · 4.125%
HK$10,628
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,256/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$10,876
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$344/mo
Today · 4.125%
HK$11,558
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,116/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$12,099
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,424
−HK$329/mo
Today · 4.125%
HK$12,753
baseline
▲ 0.50% · 4.625%
HK$13,425
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,506/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$12,689
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$401/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,305
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,968/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$14,116
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,495
−HK$384/mo
Today · 4.125%
HK$14,879
baseline
▲ 0.50% · 4.625%
HK$15,663
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,758/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$16,314
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$516/mo
Today · 4.125%
HK$17,337
baseline
▲ 0.50% · 4.625%
HK$18,392
+HK$1,055/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$34,674/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$18,149
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,636
−HK$494/mo
Today · 4.125%
HK$19,130
baseline
▲ 0.50% · 4.625%
HK$20,138
+HK$1,008/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$38,260/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).