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$9,337
−HK$287/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,209
+HK$585/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$10,074
−HK$545/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$10,867
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,205
−HK$343/mo
Today · 4.125%
HK$11,548
baseline
▲ 0.50% · 4.625%
HK$12,251
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,096/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$12,089
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$329/mo
Today · 4.125%
HK$12,743
baseline
▲ 0.50% · 4.625%
HK$13,414
+HK$671/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$12,678
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$401/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,293
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,946/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$14,104
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$383/mo
Today · 4.125%
HK$14,866
baseline
▲ 0.50% · 4.625%
HK$15,650
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,732/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$16,300
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,807
−HK$516/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,377
+HK$1,054/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$18,134
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,620
−HK$494/mo
Today · 4.125%
HK$19,114
baseline
▲ 0.50% · 4.625%
HK$20,121
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,228/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).