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$9,032
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,312
−HK$286/mo
Today · 4.125%
HK$9,598
baseline
▲ 0.50% · 4.625%
HK$10,182
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,196/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$10,047
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,317
−HK$273/mo
Today · 4.125%
HK$10,590
baseline
▲ 0.50% · 4.625%
HK$11,149
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,180/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$10,838
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,175
−HK$342/mo
Today · 4.125%
HK$11,517
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,034/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$12,057
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,380
−HK$328/mo
Today · 4.125%
HK$12,708
baseline
▲ 0.50% · 4.625%
HK$13,378
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,416/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$12,644
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,037
−HK$400/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,255
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,874/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$14,066
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,444
−HK$382/mo
Today · 4.125%
HK$14,826
baseline
▲ 0.50% · 4.625%
HK$15,608
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,652/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$16,257
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$514/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,552/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$18,085
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$492/mo
Today · 4.125%
HK$19,063
baseline
▲ 0.50% · 4.625%
HK$20,067
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,126/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).