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$9,026
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$286/mo
Today · 4.125%
HK$9,592
baseline
▲ 0.50% · 4.625%
HK$10,175
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,184/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$10,041
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,310
−HK$273/mo
Today · 4.125%
HK$10,583
baseline
▲ 0.50% · 4.625%
HK$11,141
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,166/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$10,831
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,168
−HK$342/mo
Today · 4.125%
HK$11,510
baseline
▲ 0.50% · 4.625%
HK$12,210
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$23,020/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$12,049
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,372
−HK$328/mo
Today · 4.125%
HK$12,700
baseline
▲ 0.50% · 4.625%
HK$13,369
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,400/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$12,636
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,029
−HK$399/mo
Today · 4.125%
HK$13,428
baseline
▲ 0.50% · 4.625%
HK$14,245
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,856/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$14,057
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,434
−HK$383/mo
Today · 4.125%
HK$14,817
baseline
▲ 0.50% · 4.625%
HK$15,598
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,634/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$16,246
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$514/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,315
+HK$1,050/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,530/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$18,073
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$492/mo
Today · 4.125%
HK$19,050
baseline
▲ 0.50% · 4.625%
HK$20,054
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,100/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).