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$9,042
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,323
−HK$286/mo
Today · 4.125%
HK$9,609
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,218/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$10,059
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$274/mo
Today · 4.125%
HK$10,603
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,206/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$10,851
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,188
−HK$343/mo
Today · 4.125%
HK$11,531
baseline
▲ 0.50% · 4.625%
HK$12,233
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,062/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$12,071
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$328/mo
Today · 4.125%
HK$12,723
baseline
▲ 0.50% · 4.625%
HK$13,394
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,446/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$12,659
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,053
−HK$400/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$818/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,906/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$14,083
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$383/mo
Today · 4.125%
HK$14,844
baseline
▲ 0.50% · 4.625%
HK$15,626
+HK$782/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,688/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$16,276
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,782
−HK$514/mo
Today · 4.125%
HK$17,296
baseline
▲ 0.50% · 4.625%
HK$18,349
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,592/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$18,107
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,592
−HK$493/mo
Today · 4.125%
HK$19,085
baseline
▲ 0.50% · 4.625%
HK$20,091
+HK$1,006/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,170/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).