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$9,076
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,359
−HK$286/mo
Today · 4.125%
HK$9,645
baseline
▲ 0.50% · 4.625%
HK$10,232
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,290/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$10,097
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,368
−HK$275/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,204
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,286/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$10,892
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,230
−HK$345/mo
Today · 4.125%
HK$11,575
baseline
▲ 0.50% · 4.625%
HK$12,279
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,150/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$12,117
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,442
−HK$329/mo
Today · 4.125%
HK$12,771
baseline
▲ 0.50% · 4.625%
HK$13,445
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,542/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$12,707
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,102
−HK$402/mo
Today · 4.125%
HK$13,504
baseline
▲ 0.50% · 4.625%
HK$14,325
+HK$821/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,008/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$14,136
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,515
−HK$385/mo
Today · 4.125%
HK$14,900
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,800/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$16,337
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$517/mo
Today · 4.125%
HK$17,362
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,724/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$18,175
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$495/mo
Today · 4.125%
HK$19,157
baseline
▲ 0.50% · 4.625%
HK$20,167
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,314/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).