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$9,030
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$286/mo
Today · 4.125%
HK$9,597
baseline
▲ 0.50% · 4.625%
HK$10,181
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,194/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$10,046
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,316
−HK$273/mo
Today · 4.125%
HK$10,589
baseline
▲ 0.50% · 4.625%
HK$11,147
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,178/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$10,837
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$342/mo
Today · 4.125%
HK$11,516
baseline
▲ 0.50% · 4.625%
HK$12,217
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,032/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$12,056
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$328/mo
Today · 4.125%
HK$12,707
baseline
▲ 0.50% · 4.625%
HK$13,377
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,414/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$12,643
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,036
−HK$399/mo
Today · 4.125%
HK$13,435
baseline
▲ 0.50% · 4.625%
HK$14,253
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,870/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$14,065
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$383/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,606
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,650/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$16,255
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$514/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,325
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,548/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$18,083
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,568
−HK$492/mo
Today · 4.125%
HK$19,060
baseline
▲ 0.50% · 4.625%
HK$20,065
+HK$1,005/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,120/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).