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$9,069
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$287/mo
Today · 4.125%
HK$9,638
baseline
▲ 0.50% · 4.625%
HK$10,224
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,276/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$10,089
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,360
−HK$275/mo
Today · 4.125%
HK$10,635
baseline
▲ 0.50% · 4.625%
HK$11,195
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,270/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$10,883
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,222
−HK$344/mo
Today · 4.125%
HK$11,566
baseline
▲ 0.50% · 4.625%
HK$12,269
+HK$703/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,132/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$12,107
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$329/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,522/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$12,697
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,092
−HK$401/mo
Today · 4.125%
HK$13,493
baseline
▲ 0.50% · 4.625%
HK$14,314
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,986/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$14,125
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,504
−HK$384/mo
Today · 4.125%
HK$14,888
baseline
▲ 0.50% · 4.625%
HK$15,673
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,776/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$16,325
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,832
−HK$516/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,404
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,696/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$18,161
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$494/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,284/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).