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$9,062
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,344
−HK$286/mo
Today · 4.125%
HK$9,630
baseline
▲ 0.50% · 4.625%
HK$10,216
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,260/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$10,082
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,352
−HK$274/mo
Today · 4.125%
HK$10,626
baseline
▲ 0.50% · 4.625%
HK$11,186
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,252/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$10,875
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,213
−HK$344/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,260
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,114/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$12,098
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$330/mo
Today · 4.125%
HK$12,752
baseline
▲ 0.50% · 4.625%
HK$13,424
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,504/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$12,687
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,082
−HK$401/mo
Today · 4.125%
HK$13,483
baseline
▲ 0.50% · 4.625%
HK$14,303
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,966/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$14,114
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$384/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,661
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,754/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$16,312
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,819
−HK$516/mo
Today · 4.125%
HK$17,335
baseline
▲ 0.50% · 4.625%
HK$18,390
+HK$1,055/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$34,670/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$18,147
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$493/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,136
+HK$1,009/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$38,254/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).