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$9,091
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,373
−HK$288/mo
Today · 4.125%
HK$9,661
baseline
▲ 0.50% · 4.625%
HK$10,249
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,322/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$10,113
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,384
−HK$276/mo
Today · 4.125%
HK$10,660
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,320/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$10,909
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,248
−HK$345/mo
Today · 4.125%
HK$11,593
baseline
▲ 0.50% · 4.625%
HK$12,298
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,186/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$12,136
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$331/mo
Today · 4.125%
HK$12,792
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,584/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$12,727
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,123
−HK$402/mo
Today · 4.125%
HK$13,525
baseline
▲ 0.50% · 4.625%
HK$14,348
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,050/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$14,159
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,538
−HK$385/mo
Today · 4.125%
HK$14,923
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,846/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$16,363
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,872
−HK$517/mo
Today · 4.125%
HK$17,389
baseline
▲ 0.50% · 4.625%
HK$18,447
+HK$1,058/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,778/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$18,204
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$495/mo
Today · 4.125%
HK$19,187
baseline
▲ 0.50% · 4.625%
HK$20,199
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,374/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).