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$9,075
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,357
−HK$287/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,230
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,288/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$10,095
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,366
−HK$275/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,202
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,282/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$10,889
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$344/mo
Today · 4.125%
HK$11,572
baseline
▲ 0.50% · 4.625%
HK$12,276
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,144/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$12,114
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$330/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,442
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,538/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$12,704
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$401/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,002/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$14,134
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,513
−HK$384/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,794/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$16,334
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$517/mo
Today · 4.125%
HK$17,359
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,718/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$18,172
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,659
−HK$494/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,163
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,306/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).