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$9,081
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,364
−HK$287/mo
Today · 4.125%
HK$9,651
baseline
▲ 0.50% · 4.625%
HK$10,238
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,302/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$10,103
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,374
−HK$275/mo
Today · 4.125%
HK$10,649
baseline
▲ 0.50% · 4.625%
HK$11,210
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,298/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$10,898
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,236
−HK$345/mo
Today · 4.125%
HK$11,581
baseline
▲ 0.50% · 4.625%
HK$12,286
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,162/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$12,123
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,449
−HK$329/mo
Today · 4.125%
HK$12,778
baseline
▲ 0.50% · 4.625%
HK$13,452
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,556/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$12,714
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,109
−HK$402/mo
Today · 4.125%
HK$13,511
baseline
▲ 0.50% · 4.625%
HK$14,333
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,022/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$14,144
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$385/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,694
+HK$786/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,816/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$16,346
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,855
−HK$516/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$1,057/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,742/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$18,185
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,673
−HK$495/mo
Today · 4.125%
HK$19,168
baseline
▲ 0.50% · 4.625%
HK$20,178
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,336/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).