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$9,029
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$285/mo
Today · 4.125%
HK$9,595
baseline
▲ 0.50% · 4.625%
HK$10,179
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,190/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$10,045
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$273/mo
Today · 4.125%
HK$10,587
baseline
▲ 0.50% · 4.625%
HK$11,145
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,174/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$10,835
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,172
−HK$342/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,028/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$12,054
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,377
−HK$328/mo
Today · 4.125%
HK$12,705
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$669/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,410/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$12,641
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$399/mo
Today · 4.125%
HK$13,433
baseline
▲ 0.50% · 4.625%
HK$14,251
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,866/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$14,063
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$382/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,644/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$16,252
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$513/mo
Today · 4.125%
HK$17,271
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,542/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$18,080
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$492/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,005/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,114/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).