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$9,087
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,369
−HK$287/mo
Today · 4.125%
HK$9,656
baseline
▲ 0.50% · 4.625%
HK$10,244
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,312/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$10,109
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,380
−HK$275/mo
Today · 4.125%
HK$10,655
baseline
▲ 0.50% · 4.625%
HK$11,216
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,310/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$10,904
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$345/mo
Today · 4.125%
HK$11,588
baseline
▲ 0.50% · 4.625%
HK$12,293
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,176/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$12,130
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,456
−HK$330/mo
Today · 4.125%
HK$12,786
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,572/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$12,721
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$402/mo
Today · 4.125%
HK$13,519
baseline
▲ 0.50% · 4.625%
HK$14,341
+HK$822/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,038/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$14,152
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,532
−HK$385/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,703
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,834/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$16,356
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,864
−HK$517/mo
Today · 4.125%
HK$17,381
baseline
▲ 0.50% · 4.625%
HK$18,439
+HK$1,058/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$34,762/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$18,196
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,684
−HK$495/mo
Today · 4.125%
HK$19,179
baseline
▲ 0.50% · 4.625%
HK$20,190
+HK$1,011/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$38,358/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).