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$9,000
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,280
−HK$284/mo
Today · 4.125%
HK$9,564
baseline
▲ 0.50% · 4.625%
HK$10,146
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,128/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,012
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,281
−HK$272/mo
Today · 4.125%
HK$10,553
baseline
▲ 0.50% · 4.625%
HK$11,110
+HK$557/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,106/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,800
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,136
−HK$341/mo
Today · 4.125%
HK$11,477
baseline
▲ 0.50% · 4.625%
HK$12,176
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,954/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$12,015
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,337
−HK$327/mo
Today · 4.125%
HK$12,664
baseline
▲ 0.50% · 4.625%
HK$13,332
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,328/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$12,600
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$398/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,205
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,780/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,017
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$382/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,553
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,200
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,704
−HK$512/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,263
+HK$1,047/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,432/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$18,022
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,506
−HK$490/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$19,997
+HK$1,001/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$37,992/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).