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$9,007
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$285/mo
Today · 4.125%
HK$9,572
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$582/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,144/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$10,020
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,289
−HK$273/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$556/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,124/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$10,808
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$341/mo
Today · 4.125%
HK$11,486
baseline
▲ 0.50% · 4.625%
HK$12,185
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,972/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$12,024
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$327/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,348/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$12,610
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$399/mo
Today · 4.125%
HK$13,401
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$815/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,802/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$14,028
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$381/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,566
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,572/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$16,213
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,717
−HK$512/mo
Today · 4.125%
HK$17,229
baseline
▲ 0.50% · 4.625%
HK$18,278
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,458/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,036
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,520
−HK$491/mo
Today · 4.125%
HK$19,011
baseline
▲ 0.50% · 4.625%
HK$20,013
+HK$1,002/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,022/mo (50% DSR)
Upfront cash ≈ HK$395K (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).