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$9,027
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,308
−HK$285/mo
Today · 4.125%
HK$9,593
baseline
▲ 0.50% · 4.625%
HK$10,177
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,186/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$10,043
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,312
−HK$273/mo
Today · 4.125%
HK$10,585
baseline
▲ 0.50% · 4.625%
HK$11,143
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,170/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$10,833
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,170
−HK$342/mo
Today · 4.125%
HK$11,512
baseline
▲ 0.50% · 4.625%
HK$12,213
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,024/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$12,051
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$327/mo
Today · 4.125%
HK$12,702
baseline
▲ 0.50% · 4.625%
HK$13,372
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,404/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$12,638
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,031
−HK$400/mo
Today · 4.125%
HK$13,431
baseline
▲ 0.50% · 4.625%
HK$14,248
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,862/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$14,060
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,437
−HK$383/mo
Today · 4.125%
HK$14,820
baseline
▲ 0.50% · 4.625%
HK$15,601
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,640/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$16,249
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$513/mo
Today · 4.125%
HK$17,268
baseline
▲ 0.50% · 4.625%
HK$18,319
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,536/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$18,077
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,562
−HK$492/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,058
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,108/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).