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$9,041
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$286/mo
Today · 4.125%
HK$9,608
baseline
▲ 0.50% · 4.625%
HK$10,192
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,216/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$10,058
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,328
−HK$273/mo
Today · 4.125%
HK$10,601
baseline
▲ 0.50% · 4.625%
HK$11,160
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,202/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$10,849
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,186
−HK$343/mo
Today · 4.125%
HK$11,529
baseline
▲ 0.50% · 4.625%
HK$12,231
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,058/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$12,069
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,393
−HK$328/mo
Today · 4.125%
HK$12,721
baseline
▲ 0.50% · 4.625%
HK$13,392
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,442/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$12,657
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$400/mo
Today · 4.125%
HK$13,451
baseline
▲ 0.50% · 4.625%
HK$14,269
+HK$818/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,902/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$14,081
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$383/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,624
+HK$782/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,684/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$16,274
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,780
−HK$514/mo
Today · 4.125%
HK$17,294
baseline
▲ 0.50% · 4.625%
HK$18,346
+HK$1,052/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,588/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$18,104
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,590
−HK$492/mo
Today · 4.125%
HK$19,082
baseline
▲ 0.50% · 4.625%
HK$20,088
+HK$1,006/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,164/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).