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$9,050
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,332
−HK$286/mo
Today · 4.125%
HK$9,618
baseline
▲ 0.50% · 4.625%
HK$10,203
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,236/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$10,068
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$274/mo
Today · 4.125%
HK$10,612
baseline
▲ 0.50% · 4.625%
HK$11,172
+HK$560/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,224/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$10,860
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,198
−HK$343/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,243
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,082/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$12,082
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,406
−HK$329/mo
Today · 4.125%
HK$12,735
baseline
▲ 0.50% · 4.625%
HK$13,406
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,470/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$12,670
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,064
−HK$401/mo
Today · 4.125%
HK$13,465
baseline
▲ 0.50% · 4.625%
HK$14,284
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,930/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$14,095
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,474
−HK$383/mo
Today · 4.125%
HK$14,857
baseline
▲ 0.50% · 4.625%
HK$15,640
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,714/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$16,290
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,797
−HK$515/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,365
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,624/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$18,123
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$493/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,109
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,204/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).