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$9,047
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,328
−HK$286/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,199
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,228/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$10,064
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,334
−HK$274/mo
Today · 4.125%
HK$10,608
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,216/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$10,856
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,194
−HK$343/mo
Today · 4.125%
HK$11,537
baseline
▲ 0.50% · 4.625%
HK$12,239
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,074/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$12,077
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,401
−HK$329/mo
Today · 4.125%
HK$12,730
baseline
▲ 0.50% · 4.625%
HK$13,401
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,460/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$12,665
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,059
−HK$400/mo
Today · 4.125%
HK$13,459
baseline
▲ 0.50% · 4.625%
HK$14,278
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,918/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$14,090
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$383/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,702/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$16,284
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,790
−HK$515/mo
Today · 4.125%
HK$17,305
baseline
▲ 0.50% · 4.625%
HK$18,358
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,610/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$18,116
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,602
−HK$492/mo
Today · 4.125%
HK$19,094
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,188/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).