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$9,056
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$286/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,210
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,248/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$10,075
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$274/mo
Today · 4.125%
HK$10,619
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,238/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$10,868
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,206
−HK$343/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,252
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,098/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$12,090
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$329/mo
Today · 4.125%
HK$12,743
baseline
▲ 0.50% · 4.625%
HK$13,415
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,486/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$12,679
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,073
−HK$401/mo
Today · 4.125%
HK$13,474
baseline
▲ 0.50% · 4.625%
HK$14,294
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,948/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$14,105
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$384/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,651
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,734/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$16,301
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,808
−HK$515/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,378
+HK$1,055/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,135
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$494/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,122
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$397K (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).