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$9,078
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,361
−HK$287/mo
Today · 4.125%
HK$9,648
baseline
▲ 0.50% · 4.625%
HK$10,235
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,296/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$10,100
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,370
−HK$275/mo
Today · 4.125%
HK$10,645
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,290/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$10,894
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$344/mo
Today · 4.125%
HK$11,577
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,154/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$12,119
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,445
−HK$329/mo
Today · 4.125%
HK$12,774
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,548/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$12,710
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$402/mo
Today · 4.125%
HK$13,507
baseline
▲ 0.50% · 4.625%
HK$14,329
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,014/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$14,139
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,519
−HK$384/mo
Today · 4.125%
HK$14,903
baseline
▲ 0.50% · 4.625%
HK$15,689
+HK$786/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,806/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$16,341
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,849
−HK$517/mo
Today · 4.125%
HK$17,366
baseline
▲ 0.50% · 4.625%
HK$18,422
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,732/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$18,179
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,667
−HK$494/mo
Today · 4.125%
HK$19,161
baseline
▲ 0.50% · 4.625%
HK$20,171
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,322/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).