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$9,065
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,346
−HK$287/mo
Today · 4.125%
HK$9,633
baseline
▲ 0.50% · 4.625%
HK$10,219
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,266/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$10,084
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,355
−HK$274/mo
Today · 4.125%
HK$10,629
baseline
▲ 0.50% · 4.625%
HK$11,189
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,258/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$10,877
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$344/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,263
+HK$703/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,120/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$12,101
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$329/mo
Today · 4.125%
HK$12,755
baseline
▲ 0.50% · 4.625%
HK$13,427
+HK$672/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,510/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$12,690
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,085
−HK$401/mo
Today · 4.125%
HK$13,486
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,972/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$14,118
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,496
−HK$385/mo
Today · 4.125%
HK$14,881
baseline
▲ 0.50% · 4.625%
HK$15,665
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,762/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$16,316
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$515/mo
Today · 4.125%
HK$17,339
baseline
▲ 0.50% · 4.625%
HK$18,394
+HK$1,055/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,678/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$18,152
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,638
−HK$494/mo
Today · 4.125%
HK$19,132
baseline
▲ 0.50% · 4.625%
HK$20,141
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,264/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).