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$9,085
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,368
−HK$287/mo
Today · 4.125%
HK$9,655
baseline
▲ 0.50% · 4.625%
HK$10,243
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,310/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$10,107
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,378
−HK$275/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,215
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,306/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$10,902
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$344/mo
Today · 4.125%
HK$11,586
baseline
▲ 0.50% · 4.625%
HK$12,291
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,172/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$12,129
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,454
−HK$330/mo
Today · 4.125%
HK$12,784
baseline
▲ 0.50% · 4.625%
HK$13,458
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,568/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$12,720
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,115
−HK$402/mo
Today · 4.125%
HK$13,517
baseline
▲ 0.50% · 4.625%
HK$14,340
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,034/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,150
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,530
−HK$385/mo
Today · 4.125%
HK$14,915
baseline
▲ 0.50% · 4.625%
HK$15,701
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,830/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,354
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$517/mo
Today · 4.125%
HK$17,379
baseline
▲ 0.50% · 4.625%
HK$18,437
+HK$1,058/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$34,758/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,681
−HK$495/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,187
+HK$1,011/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$399K (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).