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$9,041
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$286/mo
Today · 4.125%
HK$9,608
baseline
▲ 0.50% · 4.625%
HK$10,193
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,216/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$10,058
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,328
−HK$274/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,161
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,204/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$10,850
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$343/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,231
+HK$701/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,060/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$12,070
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,394
−HK$328/mo
Today · 4.125%
HK$12,722
baseline
▲ 0.50% · 4.625%
HK$13,393
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,444/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$12,658
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$401/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$818/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,904/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$14,082
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$383/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,625
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,684/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$16,274
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,780
−HK$515/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,347
+HK$1,052/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,105
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,591
−HK$492/mo
Today · 4.125%
HK$19,083
baseline
▲ 0.50% · 4.625%
HK$20,089
+HK$1,006/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,166/mo (50% DSR)
Upfront cash ≈ HK$397K (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).