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$9,082
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,365
−HK$287/mo
Today · 4.125%
HK$9,652
baseline
▲ 0.50% · 4.625%
HK$10,239
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,304/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$10,104
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,375
−HK$275/mo
Today · 4.125%
HK$10,650
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,300/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$10,899
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$344/mo
Today · 4.125%
HK$11,582
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,164/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$12,125
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$330/mo
Today · 4.125%
HK$12,780
baseline
▲ 0.50% · 4.625%
HK$13,453
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,560/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$12,715
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$402/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,335
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,026/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$14,146
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$385/mo
Today · 4.125%
HK$14,910
baseline
▲ 0.50% · 4.625%
HK$15,696
+HK$786/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,820/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$16,348
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,857
−HK$516/mo
Today · 4.125%
HK$17,373
baseline
▲ 0.50% · 4.625%
HK$18,430
+HK$1,057/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,746/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$18,187
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,675
−HK$495/mo
Today · 4.125%
HK$19,170
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,340/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).