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$9,037
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,319
−HK$285/mo
Today · 4.125%
HK$9,604
baseline
▲ 0.50% · 4.625%
HK$10,189
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,208/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$10,054
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,324
−HK$273/mo
Today · 4.125%
HK$10,597
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,194/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$10,845
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,182
−HK$343/mo
Today · 4.125%
HK$11,525
baseline
▲ 0.50% · 4.625%
HK$12,226
+HK$701/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,050/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$12,065
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$329/mo
Today · 4.125%
HK$12,717
baseline
▲ 0.50% · 4.625%
HK$13,387
+HK$670/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,434/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$12,652
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,046
−HK$400/mo
Today · 4.125%
HK$13,446
baseline
▲ 0.50% · 4.625%
HK$14,264
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,892/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$14,076
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,453
−HK$383/mo
Today · 4.125%
HK$14,836
baseline
▲ 0.50% · 4.625%
HK$15,618
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,672/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$16,267
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,773
−HK$515/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,339
+HK$1,051/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,576/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$18,097
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$492/mo
Today · 4.125%
HK$19,075
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,006/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,150/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).