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$9,096
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,378
−HK$288/mo
Today · 4.125%
HK$9,666
baseline
▲ 0.50% · 4.625%
HK$10,254
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,332/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$10,119
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,390
−HK$275/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,228
+HK$563/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,330/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$10,915
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,254
−HK$345/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,305
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,198/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,142
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,468
−HK$330/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,473
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,596/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,734
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,130
−HK$402/mo
Today · 4.125%
HK$13,532
baseline
▲ 0.50% · 4.625%
HK$14,356
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,064/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$14,166
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,546
−HK$386/mo
Today · 4.125%
HK$14,932
baseline
▲ 0.50% · 4.625%
HK$15,719
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,864/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$16,372
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$518/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$1,058/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,798/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$18,214
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$496/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,210
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,396/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).