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$9,068
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$286/mo
Today · 4.125%
HK$9,637
baseline
▲ 0.50% · 4.625%
HK$10,223
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,274/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$10,089
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,359
−HK$275/mo
Today · 4.125%
HK$10,634
baseline
▲ 0.50% · 4.625%
HK$11,194
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,268/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$10,882
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,221
−HK$344/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$703/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,130/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$12,106
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,431
−HK$329/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,433
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,520/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$12,696
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,091
−HK$401/mo
Today · 4.125%
HK$13,492
baseline
▲ 0.50% · 4.625%
HK$14,313
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,984/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$14,124
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,503
−HK$384/mo
Today · 4.125%
HK$14,887
baseline
▲ 0.50% · 4.625%
HK$15,672
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,774/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$16,323
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,831
−HK$516/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$1,055/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,694/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$18,159
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$494/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,280/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).