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$9,067
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,349
−HK$286/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,222
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,270/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$10,087
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$275/mo
Today · 4.125%
HK$10,632
baseline
▲ 0.50% · 4.625%
HK$11,192
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,264/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$10,880
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$344/mo
Today · 4.125%
HK$11,562
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,124/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$12,104
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$329/mo
Today · 4.125%
HK$12,758
baseline
▲ 0.50% · 4.625%
HK$13,430
+HK$672/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,516/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$12,693
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$401/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,310
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,978/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$14,121
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$384/mo
Today · 4.125%
HK$14,884
baseline
▲ 0.50% · 4.625%
HK$15,669
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,768/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$16,320
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$515/mo
Today · 4.125%
HK$17,343
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,686/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$18,156
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$494/mo
Today · 4.125%
HK$19,137
baseline
▲ 0.50% · 4.625%
HK$20,145
+HK$1,008/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,274/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).