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$9,034
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,315
−HK$286/mo
Today · 4.125%
HK$9,601
baseline
▲ 0.50% · 4.625%
HK$10,185
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,202/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$543/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$273/mo
Today · 4.125%
HK$10,593
baseline
▲ 0.50% · 4.625%
HK$11,152
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,186/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$10,841
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,178
−HK$343/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,222
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,042/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$12,061
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,384
−HK$328/mo
Today · 4.125%
HK$12,712
baseline
▲ 0.50% · 4.625%
HK$13,382
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,424/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$12,648
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,041
−HK$400/mo
Today · 4.125%
HK$13,441
baseline
▲ 0.50% · 4.625%
HK$14,259
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,882/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$14,071
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,448
−HK$383/mo
Today · 4.125%
HK$14,831
baseline
▲ 0.50% · 4.625%
HK$15,613
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,662/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$16,262
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,767
−HK$514/mo
Today · 4.125%
HK$17,281
baseline
▲ 0.50% · 4.625%
HK$18,333
+HK$1,052/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,562/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$18,091
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,576
−HK$492/mo
Today · 4.125%
HK$19,068
baseline
▲ 0.50% · 4.625%
HK$20,073
+HK$1,005/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,136/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).