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$9,092
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,375
−HK$287/mo
Today · 4.125%
HK$9,662
baseline
▲ 0.50% · 4.625%
HK$10,250
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,324/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$10,115
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,386
−HK$275/mo
Today · 4.125%
HK$10,661
baseline
▲ 0.50% · 4.625%
HK$11,223
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,322/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$10,910
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$344/mo
Today · 4.125%
HK$11,594
baseline
▲ 0.50% · 4.625%
HK$12,300
+HK$706/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,188/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$12,138
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$330/mo
Today · 4.125%
HK$12,793
baseline
▲ 0.50% · 4.625%
HK$13,468
+HK$675/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,586/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$12,729
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$402/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,350
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,054/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$14,161
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,540
−HK$386/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,712
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,852/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$16,365
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$517/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$1,058/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,784/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$18,206
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,695
−HK$495/mo
Today · 4.125%
HK$19,190
baseline
▲ 0.50% · 4.625%
HK$20,202
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,380/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).