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$9,022
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,303
−HK$285/mo
Today · 4.125%
HK$9,588
baseline
▲ 0.50% · 4.625%
HK$10,172
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,176/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$10,037
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,306
−HK$274/mo
Today · 4.125%
HK$10,580
baseline
▲ 0.50% · 4.625%
HK$11,137
+HK$557/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$10,827
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,164
−HK$342/mo
Today · 4.125%
HK$11,506
baseline
▲ 0.50% · 4.625%
HK$12,206
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$23,012/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$12,045
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,368
−HK$327/mo
Today · 4.125%
HK$12,695
baseline
▲ 0.50% · 4.625%
HK$13,365
+HK$670/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,390/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$12,631
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$399/mo
Today · 4.125%
HK$13,423
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,846/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$14,052
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,429
−HK$382/mo
Today · 4.125%
HK$14,811
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,622/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$16,240
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,745
−HK$514/mo
Today · 4.125%
HK$17,259
baseline
▲ 0.50% · 4.625%
HK$18,309
+HK$1,050/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,518/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$18,067
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$491/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,086/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).