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$9,029
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$286/mo
Today · 4.125%
HK$9,596
baseline
▲ 0.50% · 4.625%
HK$10,179
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,192/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,045
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$274/mo
Today · 4.125%
HK$10,588
baseline
▲ 0.50% · 4.625%
HK$11,146
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,176/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,835
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,172
−HK$343/mo
Today · 4.125%
HK$11,515
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$700/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,030/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,054
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,377
−HK$328/mo
Today · 4.125%
HK$12,705
baseline
▲ 0.50% · 4.625%
HK$13,375
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,410/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,641
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$400/mo
Today · 4.125%
HK$13,434
baseline
▲ 0.50% · 4.625%
HK$14,251
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,868/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$14,063
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$383/mo
Today · 4.125%
HK$14,823
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,646/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$16,253
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$514/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,323
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,081
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,566
−HK$492/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,063
+HK$1,005/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$396K (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).