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$9,094
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,377
−HK$288/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,253
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,330/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$10,117
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$275/mo
Today · 4.125%
HK$10,664
baseline
▲ 0.50% · 4.625%
HK$11,226
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,328/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$10,913
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$345/mo
Today · 4.125%
HK$11,598
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$705/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,196/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,141
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,466
−HK$331/mo
Today · 4.125%
HK$12,797
baseline
▲ 0.50% · 4.625%
HK$13,471
+HK$674/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,594/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,732
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,128
−HK$402/mo
Today · 4.125%
HK$13,530
baseline
▲ 0.50% · 4.625%
HK$14,354
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,060/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$14,164
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,544
−HK$386/mo
Today · 4.125%
HK$14,930
baseline
▲ 0.50% · 4.625%
HK$15,717
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,860/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$16,370
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,879
−HK$517/mo
Today · 4.125%
HK$17,396
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,792/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$18,211
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$495/mo
Today · 4.125%
HK$19,195
baseline
▲ 0.50% · 4.625%
HK$20,207
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,390/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).