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$9,097
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$287/mo
Today · 4.125%
HK$9,667
baseline
▲ 0.50% · 4.625%
HK$10,255
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,334/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$10,120
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,392
−HK$275/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,229
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,334/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$10,916
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$345/mo
Today · 4.125%
HK$11,601
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,202/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$12,144
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,470
−HK$330/mo
Today · 4.125%
HK$12,800
baseline
▲ 0.50% · 4.625%
HK$13,475
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,600/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$12,736
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$402/mo
Today · 4.125%
HK$13,534
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,068/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$14,168
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$386/mo
Today · 4.125%
HK$14,934
baseline
▲ 0.50% · 4.625%
HK$15,721
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,868/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$16,374
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$517/mo
Today · 4.125%
HK$17,401
baseline
▲ 0.50% · 4.625%
HK$18,460
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,802/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$18,216
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$495/mo
Today · 4.125%
HK$19,200
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,400/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).