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$9,054
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,335
−HK$286/mo
Today · 4.125%
HK$9,621
baseline
▲ 0.50% · 4.625%
HK$10,207
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,242/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$10,072
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,342
−HK$274/mo
Today · 4.125%
HK$10,616
baseline
▲ 0.50% · 4.625%
HK$11,176
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,232/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$10,864
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,202
−HK$344/mo
Today · 4.125%
HK$11,546
baseline
▲ 0.50% · 4.625%
HK$12,248
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,092/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$12,087
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,411
−HK$329/mo
Today · 4.125%
HK$12,740
baseline
▲ 0.50% · 4.625%
HK$13,411
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,480/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$12,675
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,069
−HK$401/mo
Today · 4.125%
HK$13,470
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,940/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$14,101
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,479
−HK$384/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,646
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,726/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$16,297
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,804
−HK$515/mo
Today · 4.125%
HK$17,319
baseline
▲ 0.50% · 4.625%
HK$18,372
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,638/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$18,130
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,616
−HK$493/mo
Today · 4.125%
HK$19,109
baseline
▲ 0.50% · 4.625%
HK$20,117
+HK$1,008/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,218/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).