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$9,086
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,369
−HK$287/mo
Today · 4.125%
HK$9,656
baseline
▲ 0.50% · 4.625%
HK$10,243
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,312/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$10,108
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,379
−HK$275/mo
Today · 4.125%
HK$10,654
baseline
▲ 0.50% · 4.625%
HK$11,216
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,308/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$10,903
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$345/mo
Today · 4.125%
HK$11,587
baseline
▲ 0.50% · 4.625%
HK$12,292
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,174/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$12,130
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,455
−HK$330/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,459
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,570/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$12,720
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,116
−HK$402/mo
Today · 4.125%
HK$13,518
baseline
▲ 0.50% · 4.625%
HK$14,340
+HK$822/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,036/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$14,151
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,531
−HK$385/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,702
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,832/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$16,355
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$517/mo
Today · 4.125%
HK$17,380
baseline
▲ 0.50% · 4.625%
HK$18,438
+HK$1,058/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$34,760/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$18,194
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$495/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,188
+HK$1,011/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$38,354/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).