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$9,017
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,297
−HK$285/mo
Today · 4.125%
HK$9,582
baseline
▲ 0.50% · 4.625%
HK$10,165
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,164/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$10,031
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,300
−HK$273/mo
Today · 4.125%
HK$10,573
baseline
▲ 0.50% · 4.625%
HK$11,130
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,146/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$10,820
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$342/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,996/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$12,037
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$327/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,356
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,374/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$12,623
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,016
−HK$399/mo
Today · 4.125%
HK$13,415
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$816/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,830/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$14,043
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,420
−HK$382/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,604/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$16,230
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,735
−HK$513/mo
Today · 4.125%
HK$17,248
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,496/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$18,056
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$491/mo
Today · 4.125%
HK$19,031
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,062/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).