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$9,073
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,356
−HK$286/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,229
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,284/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$10,094
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,365
−HK$274/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,278/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$10,888
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$344/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,142/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$12,113
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$329/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,440
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,534/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$12,703
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,098
−HK$401/mo
Today · 4.125%
HK$13,499
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$26,998/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$14,132
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$384/mo
Today · 4.125%
HK$14,895
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,790/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$16,332
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,840
−HK$516/mo
Today · 4.125%
HK$17,356
baseline
▲ 0.50% · 4.625%
HK$18,412
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,712/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$18,169
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,656
−HK$495/mo
Today · 4.125%
HK$19,151
baseline
▲ 0.50% · 4.625%
HK$20,160
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,302/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).