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$9,042
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,323
−HK$286/mo
Today · 4.125%
HK$9,609
baseline
▲ 0.50% · 4.625%
HK$10,193
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,218/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$10,059
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$273/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,161
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,204/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$10,850
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,188
−HK$342/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,232
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,060/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$12,071
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,394
−HK$329/mo
Today · 4.125%
HK$12,723
baseline
▲ 0.50% · 4.625%
HK$13,393
+HK$670/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,446/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$12,658
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$400/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,904/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$14,082
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$383/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,626
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,686/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$16,275
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,781
−HK$515/mo
Today · 4.125%
HK$17,296
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$1,052/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,592/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$18,106
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,591
−HK$493/mo
Today · 4.125%
HK$19,084
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,006/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,168/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).