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$9,096
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,379
−HK$288/mo
Today · 4.125%
HK$9,667
baseline
▲ 0.50% · 4.625%
HK$10,255
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,334/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$10,119
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,391
−HK$275/mo
Today · 4.125%
HK$10,666
baseline
▲ 0.50% · 4.625%
HK$11,228
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,332/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$10,915
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,255
−HK$345/mo
Today · 4.125%
HK$11,600
baseline
▲ 0.50% · 4.625%
HK$12,306
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,200/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,143
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,469
−HK$330/mo
Today · 4.125%
HK$12,799
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,598/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,735
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,131
−HK$402/mo
Today · 4.125%
HK$13,533
baseline
▲ 0.50% · 4.625%
HK$14,357
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,066/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$14,167
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,547
−HK$386/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,866/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$16,373
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,883
−HK$517/mo
Today · 4.125%
HK$17,400
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,800/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$18,215
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$495/mo
Today · 4.125%
HK$19,199
baseline
▲ 0.50% · 4.625%
HK$20,211
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,398/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).