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$569/mo
▼ 0.25% · 3.875%
HK$9,359
−HK$287/mo
Today · 4.125%
HK$9,646
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,292/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$10,098
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$274/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,204
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,286/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$10,892
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$344/mo
Today · 4.125%
HK$11,575
baseline
▲ 0.50% · 4.625%
HK$12,280
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,150/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$12,117
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,442
−HK$330/mo
Today · 4.125%
HK$12,772
baseline
▲ 0.50% · 4.625%
HK$13,445
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,544/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$796/mo
▼ 0.25% · 3.875%
HK$13,103
−HK$401/mo
Today · 4.125%
HK$13,504
baseline
▲ 0.50% · 4.625%
HK$14,326
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,008/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$14,137
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,516
−HK$385/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,802/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$16,338
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$516/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,726/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$18,176
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$494/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,316/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).