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$9,044
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,326
−HK$286/mo
Today · 4.125%
HK$9,612
baseline
▲ 0.50% · 4.625%
HK$10,196
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,224/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$10,062
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$273/mo
Today · 4.125%
HK$10,605
baseline
▲ 0.50% · 4.625%
HK$11,164
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,210/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$10,853
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$343/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,068/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$12,074
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,398
−HK$328/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,397
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,452/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$12,662
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,056
−HK$400/mo
Today · 4.125%
HK$13,456
baseline
▲ 0.50% · 4.625%
HK$14,275
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,912/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$14,086
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$383/mo
Today · 4.125%
HK$14,847
baseline
▲ 0.50% · 4.625%
HK$15,630
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,694/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$16,280
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,786
−HK$515/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,353
+HK$1,052/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,602/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$18,111
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,597
−HK$493/mo
Today · 4.125%
HK$19,090
baseline
▲ 0.50% · 4.625%
HK$20,096
+HK$1,006/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,180/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).