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$9,051
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,332
−HK$286/mo
Today · 4.125%
HK$9,618
baseline
▲ 0.50% · 4.625%
HK$10,203
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,236/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$10,069
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$274/mo
Today · 4.125%
HK$10,613
baseline
▲ 0.50% · 4.625%
HK$11,172
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,226/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$10,861
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,199
−HK$343/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,244
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,084/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$12,082
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,407
−HK$328/mo
Today · 4.125%
HK$12,735
baseline
▲ 0.50% · 4.625%
HK$13,407
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,470/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$12,671
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,065
−HK$400/mo
Today · 4.125%
HK$13,465
baseline
▲ 0.50% · 4.625%
HK$14,285
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,930/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$14,096
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,474
−HK$384/mo
Today · 4.125%
HK$14,858
baseline
▲ 0.50% · 4.625%
HK$15,641
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,716/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$16,291
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,798
−HK$515/mo
Today · 4.125%
HK$17,313
baseline
▲ 0.50% · 4.625%
HK$18,366
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,626/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$18,124
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,610
−HK$493/mo
Today · 4.125%
HK$19,103
baseline
▲ 0.50% · 4.625%
HK$20,110
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,206/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).