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$9,023
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,304
−HK$285/mo
Today · 4.125%
HK$9,589
baseline
▲ 0.50% · 4.625%
HK$10,172
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,178/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$10,038
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,307
−HK$273/mo
Today · 4.125%
HK$10,580
baseline
▲ 0.50% · 4.625%
HK$11,138
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,160/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$10,828
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,164
−HK$343/mo
Today · 4.125%
HK$11,507
baseline
▲ 0.50% · 4.625%
HK$12,207
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$23,014/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$12,046
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$327/mo
Today · 4.125%
HK$12,696
baseline
▲ 0.50% · 4.625%
HK$13,366
+HK$670/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,392/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$12,632
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,025
−HK$399/mo
Today · 4.125%
HK$13,424
baseline
▲ 0.50% · 4.625%
HK$14,241
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,848/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$14,053
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,430
−HK$382/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,593
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,624/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$16,241
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$513/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$1,050/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,520/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$18,068
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$492/mo
Today · 4.125%
HK$19,045
baseline
▲ 0.50% · 4.625%
HK$20,048
+HK$1,003/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,090/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).