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$9,068
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$286/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,222
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,272/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$10,088
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,358
−HK$275/mo
Today · 4.125%
HK$10,633
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,266/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$10,881
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,219
−HK$344/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,267
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,126/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$12,105
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$329/mo
Today · 4.125%
HK$12,759
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,518/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$12,695
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,089
−HK$402/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,311
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,982/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$14,123
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$385/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,670
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,772/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$16,322
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,829
−HK$516/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,400
+HK$1,055/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,690/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$18,158
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,644
−HK$495/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,147
+HK$1,008/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,278/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).