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$9,021
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,301
−HK$286/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,170
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,174/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$10,036
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,305
−HK$273/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,135
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,156/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$10,825
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,162
−HK$342/mo
Today · 4.125%
HK$11,504
baseline
▲ 0.50% · 4.625%
HK$12,204
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$23,008/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$12,043
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,366
−HK$327/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,362
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,386/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$12,629
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,022
−HK$399/mo
Today · 4.125%
HK$13,421
baseline
▲ 0.50% · 4.625%
HK$14,238
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,842/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$14,050
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,427
−HK$382/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,618/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$16,238
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,743
−HK$513/mo
Today · 4.125%
HK$17,256
baseline
▲ 0.50% · 4.625%
HK$18,306
+HK$1,050/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,512/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$18,064
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,549
−HK$491/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,044
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,080/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).