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$9,045
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,327
−HK$285/mo
Today · 4.125%
HK$9,612
baseline
▲ 0.50% · 4.625%
HK$10,197
+HK$585/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$10,063
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,333
−HK$273/mo
Today · 4.125%
HK$10,606
baseline
▲ 0.50% · 4.625%
HK$11,165
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,212/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$10,854
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,192
−HK$343/mo
Today · 4.125%
HK$11,535
baseline
▲ 0.50% · 4.625%
HK$12,237
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,070/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$12,075
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,399
−HK$329/mo
Today · 4.125%
HK$12,728
baseline
▲ 0.50% · 4.625%
HK$13,399
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,456/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$12,663
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,057
−HK$400/mo
Today · 4.125%
HK$13,457
baseline
▲ 0.50% · 4.625%
HK$14,276
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,914/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$14,088
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$383/mo
Today · 4.125%
HK$14,849
baseline
▲ 0.50% · 4.625%
HK$15,632
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,698/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$16,281
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,788
−HK$514/mo
Today · 4.125%
HK$17,302
baseline
▲ 0.50% · 4.625%
HK$18,355
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,604/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$18,113
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,599
−HK$492/mo
Today · 4.125%
HK$19,091
baseline
▲ 0.50% · 4.625%
HK$20,098
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,182/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).