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$9,012
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,292
−HK$285/mo
Today · 4.125%
HK$9,577
baseline
▲ 0.50% · 4.625%
HK$10,160
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,154/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$10,026
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$273/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,125
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,136/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$10,815
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$342/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,986/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$12,031
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$327/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,350
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,362/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$12,617
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,009
−HK$399/mo
Today · 4.125%
HK$13,408
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$816/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,816/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$14,036
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,413
−HK$382/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,574
+HK$779/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,590/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$16,222
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,726
−HK$513/mo
Today · 4.125%
HK$17,239
baseline
▲ 0.50% · 4.625%
HK$18,288
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,478/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$18,047
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,531
−HK$491/mo
Today · 4.125%
HK$19,022
baseline
▲ 0.50% · 4.625%
HK$20,024
+HK$1,002/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,044/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).