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$9,326
−HK$286/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$10,062
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$274/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$680/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$343/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,068/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$12,074
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,398
−HK$329/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,454/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$12,662
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,056
−HK$401/mo
Today · 4.125%
HK$13,457
baseline
▲ 0.50% · 4.625%
HK$14,275
+HK$818/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$14,087
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$383/mo
Today · 4.125%
HK$14,848
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,696/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$16,280
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,787
−HK$514/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,354
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,602/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$18,112
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,597
−HK$493/mo
Today · 4.125%
HK$19,090
baseline
▲ 0.50% · 4.625%
HK$20,096
+HK$1,006/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,180/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).