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$9,074
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,356
−HK$287/mo
Today · 4.125%
HK$9,643
baseline
▲ 0.50% · 4.625%
HK$10,229
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,286/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$10,094
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,365
−HK$275/mo
Today · 4.125%
HK$10,640
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,280/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$10,888
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$344/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,142/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$12,113
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$329/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,440
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,534/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$12,703
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,098
−HK$402/mo
Today · 4.125%
HK$13,500
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$821/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,000/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$14,132
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$384/mo
Today · 4.125%
HK$14,895
baseline
▲ 0.50% · 4.625%
HK$15,681
+HK$786/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,790/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$16,332
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,840
−HK$517/mo
Today · 4.125%
HK$17,357
baseline
▲ 0.50% · 4.625%
HK$18,413
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,714/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$18,170
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,657
−HK$494/mo
Today · 4.125%
HK$19,151
baseline
▲ 0.50% · 4.625%
HK$20,161
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,302/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).