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$9,026
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,307
−HK$285/mo
Today · 4.125%
HK$9,592
baseline
▲ 0.50% · 4.625%
HK$10,176
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,184/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$10,041
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,311
−HK$273/mo
Today · 4.125%
HK$10,584
baseline
▲ 0.50% · 4.625%
HK$11,142
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,168/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$10,831
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,168
−HK$343/mo
Today · 4.125%
HK$11,511
baseline
▲ 0.50% · 4.625%
HK$12,211
+HK$700/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,022/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$12,050
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,373
−HK$328/mo
Today · 4.125%
HK$12,701
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$669/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,402/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$12,637
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,030
−HK$399/mo
Today · 4.125%
HK$13,429
baseline
▲ 0.50% · 4.625%
HK$14,246
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,858/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$14,058
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$383/mo
Today · 4.125%
HK$14,818
baseline
▲ 0.50% · 4.625%
HK$15,599
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,636/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$16,247
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,752
−HK$514/mo
Today · 4.125%
HK$17,266
baseline
▲ 0.50% · 4.625%
HK$18,316
+HK$1,050/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,532/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$18,075
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,559
−HK$492/mo
Today · 4.125%
HK$19,051
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,102/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).