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$9,049
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,330
−HK$286/mo
Today · 4.125%
HK$9,616
baseline
▲ 0.50% · 4.625%
HK$10,201
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,232/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$10,067
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,337
−HK$273/mo
Today · 4.125%
HK$10,610
baseline
▲ 0.50% · 4.625%
HK$11,170
+HK$560/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,220/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$10,858
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$343/mo
Today · 4.125%
HK$11,539
baseline
▲ 0.50% · 4.625%
HK$12,241
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,078/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$12,080
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$329/mo
Today · 4.125%
HK$12,733
baseline
▲ 0.50% · 4.625%
HK$13,404
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,466/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$12,668
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,062
−HK$401/mo
Today · 4.125%
HK$13,463
baseline
▲ 0.50% · 4.625%
HK$14,282
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,926/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$14,093
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,471
−HK$384/mo
Today · 4.125%
HK$14,855
baseline
▲ 0.50% · 4.625%
HK$15,638
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,710/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$16,288
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$515/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,618/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$18,120
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$493/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,105
+HK$1,006/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,198/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).