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$9,040
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,321
−HK$286/mo
Today · 4.125%
HK$9,607
baseline
▲ 0.50% · 4.625%
HK$10,192
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,214/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$10,057
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,327
−HK$273/mo
Today · 4.125%
HK$10,600
baseline
▲ 0.50% · 4.625%
HK$11,159
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,200/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$10,848
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,186
−HK$342/mo
Today · 4.125%
HK$11,528
baseline
▲ 0.50% · 4.625%
HK$12,230
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,056/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$12,068
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,392
−HK$328/mo
Today · 4.125%
HK$12,720
baseline
▲ 0.50% · 4.625%
HK$13,391
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,440/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$12,656
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,050
−HK$400/mo
Today · 4.125%
HK$13,450
baseline
▲ 0.50% · 4.625%
HK$14,268
+HK$818/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,900/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$14,080
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$384/mo
Today · 4.125%
HK$14,841
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$782/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,682/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$16,272
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,778
−HK$515/mo
Today · 4.125%
HK$17,293
baseline
▲ 0.50% · 4.625%
HK$18,345
+HK$1,052/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,586/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$18,103
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$493/mo
Today · 4.125%
HK$19,081
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,005/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,162/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).