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$9,082
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,364
−HK$287/mo
Today · 4.125%
HK$9,651
baseline
▲ 0.50% · 4.625%
HK$10,239
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,302/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$10,103
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,374
−HK$275/mo
Today · 4.125%
HK$10,649
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,298/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$10,898
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,237
−HK$345/mo
Today · 4.125%
HK$11,582
baseline
▲ 0.50% · 4.625%
HK$12,286
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,164/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$12,124
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,449
−HK$330/mo
Today · 4.125%
HK$12,779
baseline
▲ 0.50% · 4.625%
HK$13,453
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,558/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$12,715
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,110
−HK$402/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$822/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,024/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$14,145
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,524
−HK$385/mo
Today · 4.125%
HK$14,909
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$786/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,818/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$16,347
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,856
−HK$516/mo
Today · 4.125%
HK$17,372
baseline
▲ 0.50% · 4.625%
HK$18,429
+HK$1,057/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,744/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$18,186
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$495/mo
Today · 4.125%
HK$19,169
baseline
▲ 0.50% · 4.625%
HK$20,179
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,338/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).