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$9,036
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,317
−HK$286/mo
Today · 4.125%
HK$9,603
baseline
▲ 0.50% · 4.625%
HK$10,187
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,206/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$10,053
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,323
−HK$273/mo
Today · 4.125%
HK$10,596
baseline
▲ 0.50% · 4.625%
HK$11,155
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,192/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$10,844
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$343/mo
Today · 4.125%
HK$11,524
baseline
▲ 0.50% · 4.625%
HK$12,225
+HK$701/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,048/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$12,063
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$328/mo
Today · 4.125%
HK$12,715
baseline
▲ 0.50% · 4.625%
HK$13,385
+HK$670/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,430/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$12,651
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,044
−HK$400/mo
Today · 4.125%
HK$13,444
baseline
▲ 0.50% · 4.625%
HK$14,262
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,888/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$14,074
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,452
−HK$382/mo
Today · 4.125%
HK$14,834
baseline
▲ 0.50% · 4.625%
HK$15,616
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,668/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$16,266
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,771
−HK$515/mo
Today · 4.125%
HK$17,286
baseline
▲ 0.50% · 4.625%
HK$18,337
+HK$1,051/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,572/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$18,095
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$492/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,078
+HK$1,005/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,146/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).