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$9,060
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,342
−HK$286/mo
Today · 4.125%
HK$9,628
baseline
▲ 0.50% · 4.625%
HK$10,214
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,256/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$10,080
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,350
−HK$274/mo
Today · 4.125%
HK$10,624
baseline
▲ 0.50% · 4.625%
HK$11,184
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,248/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$10,872
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,211
−HK$343/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,108/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$12,095
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,420
−HK$329/mo
Today · 4.125%
HK$12,749
baseline
▲ 0.50% · 4.625%
HK$13,421
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,498/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$12,684
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$401/mo
Today · 4.125%
HK$13,480
baseline
▲ 0.50% · 4.625%
HK$14,300
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,960/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$14,111
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,490
−HK$384/mo
Today · 4.125%
HK$14,874
baseline
▲ 0.50% · 4.625%
HK$15,658
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,748/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$16,309
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$515/mo
Today · 4.125%
HK$17,331
baseline
▲ 0.50% · 4.625%
HK$18,386
+HK$1,055/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$34,662/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$493/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,131
+HK$1,008/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$397K (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).