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$9,039
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$286/mo
Today · 4.125%
HK$9,606
baseline
▲ 0.50% · 4.625%
HK$10,191
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,212/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$10,056
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,326
−HK$273/mo
Today · 4.125%
HK$10,599
baseline
▲ 0.50% · 4.625%
HK$11,158
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,198/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$10,847
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,185
−HK$342/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,229
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,054/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$12,067
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,391
−HK$328/mo
Today · 4.125%
HK$12,719
baseline
▲ 0.50% · 4.625%
HK$13,390
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,438/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$12,655
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$400/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,898/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$14,079
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$383/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,678/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$16,271
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,777
−HK$514/mo
Today · 4.125%
HK$17,291
baseline
▲ 0.50% · 4.625%
HK$18,343
+HK$1,052/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,582/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$18,101
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,587
−HK$492/mo
Today · 4.125%
HK$19,079
baseline
▲ 0.50% · 4.625%
HK$20,085
+HK$1,006/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,158/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).