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$9,057
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$286/mo
Today · 4.125%
HK$9,625
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,250/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$10,076
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$274/mo
Today · 4.125%
HK$10,620
baseline
▲ 0.50% · 4.625%
HK$11,180
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,240/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$10,868
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,206
−HK$344/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,253
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,100/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$12,091
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,415
−HK$329/mo
Today · 4.125%
HK$12,744
baseline
▲ 0.50% · 4.625%
HK$13,416
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,488/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$12,680
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,074
−HK$401/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,295
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,950/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$14,106
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,484
−HK$384/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,736/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$16,303
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,810
−HK$515/mo
Today · 4.125%
HK$17,325
baseline
▲ 0.50% · 4.625%
HK$18,379
+HK$1,054/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,650/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$18,136
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,623
−HK$493/mo
Today · 4.125%
HK$19,116
baseline
▲ 0.50% · 4.625%
HK$20,124
+HK$1,008/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,232/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).