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$9,084
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,367
−HK$287/mo
Today · 4.125%
HK$9,654
baseline
▲ 0.50% · 4.625%
HK$10,241
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,308/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$10,106
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,377
−HK$275/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,214
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,304/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$10,901
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$345/mo
Today · 4.125%
HK$11,585
baseline
▲ 0.50% · 4.625%
HK$12,290
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,170/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$12,127
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$330/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,456
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,566/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$12,718
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,114
−HK$401/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,338
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,030/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$14,149
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$385/mo
Today · 4.125%
HK$14,913
baseline
▲ 0.50% · 4.625%
HK$15,699
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,826/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$16,352
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,860
−HK$517/mo
Today · 4.125%
HK$17,377
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$1,057/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$34,754/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$18,191
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,679
−HK$495/mo
Today · 4.125%
HK$19,174
baseline
▲ 0.50% · 4.625%
HK$20,185
+HK$1,011/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$38,348/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).