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$9,079
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$287/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,298/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$10,101
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$275/mo
Today · 4.125%
HK$10,646
baseline
▲ 0.50% · 4.625%
HK$11,207
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,292/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$10,895
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,234
−HK$344/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,156/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$12,121
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,446
−HK$329/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,449
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,550/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$12,711
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$402/mo
Today · 4.125%
HK$13,508
baseline
▲ 0.50% · 4.625%
HK$14,330
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,016/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$14,141
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,520
−HK$385/mo
Today · 4.125%
HK$14,905
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,810/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$16,343
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,851
−HK$516/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,424
+HK$1,057/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,734/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$18,181
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,669
−HK$494/mo
Today · 4.125%
HK$19,163
baseline
▲ 0.50% · 4.625%
HK$20,173
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,326/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).