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$9,024
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,304
−HK$286/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,180/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$10,039
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$273/mo
Today · 4.125%
HK$10,581
baseline
▲ 0.50% · 4.625%
HK$11,139
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,162/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$10,828
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,165
−HK$342/mo
Today · 4.125%
HK$11,507
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$701/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$23,014/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$12,047
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,370
−HK$327/mo
Today · 4.125%
HK$12,697
baseline
▲ 0.50% · 4.625%
HK$13,367
+HK$670/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,394/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$12,633
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,026
−HK$399/mo
Today · 4.125%
HK$13,425
baseline
▲ 0.50% · 4.625%
HK$14,242
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,850/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$14,054
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,431
−HK$383/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,594
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,628/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$16,243
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,748
−HK$513/mo
Today · 4.125%
HK$17,261
baseline
▲ 0.50% · 4.625%
HK$18,311
+HK$1,050/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,522/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$18,070
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,554
−HK$492/mo
Today · 4.125%
HK$19,046
baseline
▲ 0.50% · 4.625%
HK$20,050
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,092/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).