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$9,047
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$286/mo
Today · 4.125%
HK$9,615
baseline
▲ 0.50% · 4.625%
HK$10,200
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,230/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$10,065
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$274/mo
Today · 4.125%
HK$10,609
baseline
▲ 0.50% · 4.625%
HK$11,168
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,218/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$10,857
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$343/mo
Today · 4.125%
HK$11,538
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,076/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$12,078
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,402
−HK$329/mo
Today · 4.125%
HK$12,731
baseline
▲ 0.50% · 4.625%
HK$13,402
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,462/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$12,666
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$401/mo
Today · 4.125%
HK$13,461
baseline
▲ 0.50% · 4.625%
HK$14,280
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,922/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$14,091
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,469
−HK$384/mo
Today · 4.125%
HK$14,853
baseline
▲ 0.50% · 4.625%
HK$15,635
+HK$782/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,706/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$16,285
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$515/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,360
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,614/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$18,117
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$493/mo
Today · 4.125%
HK$19,096
baseline
▲ 0.50% · 4.625%
HK$20,103
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,192/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).