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$9,077
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,360
−HK$287/mo
Today · 4.125%
HK$9,647
baseline
▲ 0.50% · 4.625%
HK$10,234
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,294/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$10,099
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$275/mo
Today · 4.125%
HK$10,644
baseline
▲ 0.50% · 4.625%
HK$11,205
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,288/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$10,893
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,232
−HK$344/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,280
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,152/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$12,118
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,443
−HK$330/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,446
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,546/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$12,708
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,104
−HK$401/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,327
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,010/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$14,138
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,517
−HK$385/mo
Today · 4.125%
HK$14,902
baseline
▲ 0.50% · 4.625%
HK$15,687
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,804/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$16,339
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,848
−HK$516/mo
Today · 4.125%
HK$17,364
baseline
▲ 0.50% · 4.625%
HK$18,421
+HK$1,057/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,728/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$18,177
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,665
−HK$494/mo
Today · 4.125%
HK$19,159
baseline
▲ 0.50% · 4.625%
HK$20,169
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,318/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).