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$9,042
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,324
−HK$285/mo
Today · 4.125%
HK$9,609
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,218/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$10,060
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$274/mo
Today · 4.125%
HK$10,603
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,206/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$10,851
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,188
−HK$343/mo
Today · 4.125%
HK$11,531
baseline
▲ 0.50% · 4.625%
HK$12,233
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,062/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$12,072
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$329/mo
Today · 4.125%
HK$12,724
baseline
▲ 0.50% · 4.625%
HK$13,394
+HK$670/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,448/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$12,659
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,053
−HK$400/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,272
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,906/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$14,083
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$383/mo
Today · 4.125%
HK$14,844
baseline
▲ 0.50% · 4.625%
HK$15,627
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,688/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$16,276
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,783
−HK$514/mo
Today · 4.125%
HK$17,297
baseline
▲ 0.50% · 4.625%
HK$18,350
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,594/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$18,107
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,593
−HK$493/mo
Today · 4.125%
HK$19,086
baseline
▲ 0.50% · 4.625%
HK$20,092
+HK$1,006/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,172/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).