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$9,033
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,314
−HK$286/mo
Today · 4.125%
HK$9,600
baseline
▲ 0.50% · 4.625%
HK$10,184
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,200/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$10,050
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,319
−HK$273/mo
Today · 4.125%
HK$10,592
baseline
▲ 0.50% · 4.625%
HK$11,151
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,184/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$10,840
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$343/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,040/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$12,059
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$328/mo
Today · 4.125%
HK$12,711
baseline
▲ 0.50% · 4.625%
HK$13,381
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,422/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$12,647
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$400/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,258
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,880/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$14,069
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,447
−HK$382/mo
Today · 4.125%
HK$14,829
baseline
▲ 0.50% · 4.625%
HK$15,611
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,658/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$16,260
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$514/mo
Today · 4.125%
HK$17,280
baseline
▲ 0.50% · 4.625%
HK$18,331
+HK$1,051/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,560/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$18,089
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$492/mo
Today · 4.125%
HK$19,066
baseline
▲ 0.50% · 4.625%
HK$20,071
+HK$1,005/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,132/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).