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$9,093
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$287/mo
Today · 4.125%
HK$9,663
baseline
▲ 0.50% · 4.625%
HK$10,251
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,326/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$10,116
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,387
−HK$275/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$563/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,324/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$10,912
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,251
−HK$345/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,302
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,192/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$12,139
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$330/mo
Today · 4.125%
HK$12,795
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$674/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,590/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$12,730
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,126
−HK$403/mo
Today · 4.125%
HK$13,529
baseline
▲ 0.50% · 4.625%
HK$14,352
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,058/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$14,162
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,542
−HK$385/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,714
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,854/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$16,368
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,877
−HK$517/mo
Today · 4.125%
HK$17,394
baseline
▲ 0.50% · 4.625%
HK$18,452
+HK$1,058/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,788/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$18,209
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,697
−HK$495/mo
Today · 4.125%
HK$19,192
baseline
▲ 0.50% · 4.625%
HK$20,204
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,384/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).