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$9,063
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$286/mo
Today · 4.125%
HK$9,631
baseline
▲ 0.50% · 4.625%
HK$10,217
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,262/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$10,082
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$274/mo
Today · 4.125%
HK$10,627
baseline
▲ 0.50% · 4.625%
HK$11,187
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,254/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$10,875
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$343/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$704/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,114/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$12,099
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$329/mo
Today · 4.125%
HK$12,752
baseline
▲ 0.50% · 4.625%
HK$13,425
+HK$673/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,504/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$12,688
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$401/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,304
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,968/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$14,115
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,494
−HK$384/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,662
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,756/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$16,313
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$515/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$1,055/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$34,672/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$18,148
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$494/mo
Today · 4.125%
HK$19,129
baseline
▲ 0.50% · 4.625%
HK$20,137
+HK$1,008/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$38,258/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).