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$9,019
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,300
−HK$285/mo
Today · 4.125%
HK$9,585
baseline
▲ 0.50% · 4.625%
HK$10,168
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,170/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$10,034
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$273/mo
Today · 4.125%
HK$10,576
baseline
▲ 0.50% · 4.625%
HK$11,134
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,152/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$10,823
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,160
−HK$342/mo
Today · 4.125%
HK$11,502
baseline
▲ 0.50% · 4.625%
HK$12,202
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$23,004/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$12,041
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,364
−HK$327/mo
Today · 4.125%
HK$12,691
baseline
▲ 0.50% · 4.625%
HK$13,360
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,382/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$12,627
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,020
−HK$399/mo
Today · 4.125%
HK$13,419
baseline
▲ 0.50% · 4.625%
HK$14,236
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,838/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$14,048
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,424
−HK$383/mo
Today · 4.125%
HK$14,807
baseline
▲ 0.50% · 4.625%
HK$15,587
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,614/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$16,235
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$513/mo
Today · 4.125%
HK$17,253
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$1,050/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,506/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$18,061
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$491/mo
Today · 4.125%
HK$19,037
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,074/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).