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$9,098
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,381
−HK$287/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,257
+HK$589/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,336/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,121
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,393
−HK$275/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,230
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,336/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,917
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,257
−HK$345/mo
Today · 4.125%
HK$11,602
baseline
▲ 0.50% · 4.625%
HK$12,308
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,204/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$12,146
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,471
−HK$331/mo
Today · 4.125%
HK$12,802
baseline
▲ 0.50% · 4.625%
HK$13,477
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,604/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$12,737
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,133
−HK$403/mo
Today · 4.125%
HK$13,536
baseline
▲ 0.50% · 4.625%
HK$14,359
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,072/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$14,170
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,550
−HK$385/mo
Today · 4.125%
HK$14,935
baseline
▲ 0.50% · 4.625%
HK$15,723
+HK$788/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,870/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$16,376
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$517/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,462
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,806/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$18,218
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,707
−HK$496/mo
Today · 4.125%
HK$19,203
baseline
▲ 0.50% · 4.625%
HK$20,215
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,406/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).