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$9,068
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$287/mo
Today · 4.125%
HK$9,637
baseline
▲ 0.50% · 4.625%
HK$10,223
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,274/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$10,088
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,358
−HK$275/mo
Today · 4.125%
HK$10,633
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,266/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$10,881
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$344/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,267
+HK$703/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,128/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$12,106
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$330/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$672/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,520/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$12,695
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$401/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,312
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,982/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$14,123
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,502
−HK$384/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,772/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$16,322
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$516/mo
Today · 4.125%
HK$17,346
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$1,055/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,692/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$18,158
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,645
−HK$494/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,148
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,278/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).