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$9,073
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,355
−HK$287/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,284/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$10,093
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,364
−HK$275/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,278/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$10,887
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,226
−HK$344/mo
Today · 4.125%
HK$11,570
baseline
▲ 0.50% · 4.625%
HK$12,274
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,140/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$12,112
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,437
−HK$329/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,532/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$12,702
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,097
−HK$401/mo
Today · 4.125%
HK$13,498
baseline
▲ 0.50% · 4.625%
HK$14,320
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$26,996/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$14,131
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,510
−HK$384/mo
Today · 4.125%
HK$14,894
baseline
▲ 0.50% · 4.625%
HK$15,679
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,788/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$16,331
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,839
−HK$516/mo
Today · 4.125%
HK$17,355
baseline
▲ 0.50% · 4.625%
HK$18,411
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,710/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$18,168
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,655
−HK$495/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,159
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,300/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).