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$9,028
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,309
−HK$285/mo
Today · 4.125%
HK$9,594
baseline
▲ 0.50% · 4.625%
HK$10,178
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,188/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$10,044
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,313
−HK$273/mo
Today · 4.125%
HK$10,586
baseline
▲ 0.50% · 4.625%
HK$11,144
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,172/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$10,834
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,171
−HK$342/mo
Today · 4.125%
HK$11,513
baseline
▲ 0.50% · 4.625%
HK$12,214
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,026/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$12,052
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$327/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,373
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,406/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$12,639
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,032
−HK$400/mo
Today · 4.125%
HK$13,432
baseline
▲ 0.50% · 4.625%
HK$14,249
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,864/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$14,061
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,438
−HK$383/mo
Today · 4.125%
HK$14,821
baseline
▲ 0.50% · 4.625%
HK$15,602
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,642/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$16,250
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$513/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,320
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,538/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$18,078
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,563
−HK$492/mo
Today · 4.125%
HK$19,055
baseline
▲ 0.50% · 4.625%
HK$20,060
+HK$1,005/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,110/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).