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$9,025
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$285/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,174
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,182/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$10,040
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,309
−HK$273/mo
Today · 4.125%
HK$10,582
baseline
▲ 0.50% · 4.625%
HK$11,140
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,164/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$10,830
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$342/mo
Today · 4.125%
HK$11,509
baseline
▲ 0.50% · 4.625%
HK$12,209
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$23,018/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$12,048
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,371
−HK$328/mo
Today · 4.125%
HK$12,699
baseline
▲ 0.50% · 4.625%
HK$13,368
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,398/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$12,635
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,028
−HK$399/mo
Today · 4.125%
HK$13,427
baseline
▲ 0.50% · 4.625%
HK$14,244
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,854/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$14,056
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,433
−HK$382/mo
Today · 4.125%
HK$14,815
baseline
▲ 0.50% · 4.625%
HK$15,596
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,630/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$16,245
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$513/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,526/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$18,072
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$491/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,052
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,096/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).