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$9,039
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$285/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,190
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,210/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$10,055
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$274/mo
Today · 4.125%
HK$10,599
baseline
▲ 0.50% · 4.625%
HK$11,157
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,198/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$10,846
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$343/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,228
+HK$701/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,054/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$12,067
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,390
−HK$328/mo
Today · 4.125%
HK$12,718
baseline
▲ 0.50% · 4.625%
HK$13,389
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,436/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$12,654
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$400/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,266
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,896/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$14,078
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,455
−HK$383/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,620
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,676/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$16,270
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,776
−HK$514/mo
Today · 4.125%
HK$17,290
baseline
▲ 0.50% · 4.625%
HK$18,342
+HK$1,052/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,580/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$18,100
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,585
−HK$493/mo
Today · 4.125%
HK$19,078
baseline
▲ 0.50% · 4.625%
HK$20,083
+HK$1,005/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,156/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).