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$9,088
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,371
−HK$287/mo
Today · 4.125%
HK$9,658
baseline
▲ 0.50% · 4.625%
HK$10,246
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,316/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$10,110
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,382
−HK$275/mo
Today · 4.125%
HK$10,657
baseline
▲ 0.50% · 4.625%
HK$11,218
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,314/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$10,906
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,245
−HK$345/mo
Today · 4.125%
HK$11,590
baseline
▲ 0.50% · 4.625%
HK$12,295
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,180/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$12,132
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,458
−HK$330/mo
Today · 4.125%
HK$12,788
baseline
▲ 0.50% · 4.625%
HK$13,462
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,576/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$12,723
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,119
−HK$402/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,344
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,042/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,534
−HK$385/mo
Today · 4.125%
HK$14,919
baseline
▲ 0.50% · 4.625%
HK$15,706
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,838/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,358
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,867
−HK$517/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,442
+HK$1,058/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,199
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,687
−HK$495/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,193
+HK$1,011/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$399K (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).