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$9,015
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$285/mo
Today · 4.125%
HK$9,580
baseline
▲ 0.50% · 4.625%
HK$10,163
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,160/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$10,029
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,298
−HK$273/mo
Today · 4.125%
HK$10,571
baseline
▲ 0.50% · 4.625%
HK$11,128
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,142/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$10,818
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,154
−HK$342/mo
Today · 4.125%
HK$11,496
baseline
▲ 0.50% · 4.625%
HK$12,196
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,992/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$12,035
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$328/mo
Today · 4.125%
HK$12,685
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,370/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$12,621
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,013
−HK$399/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,228
+HK$816/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,824/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$14,040
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,417
−HK$382/mo
Today · 4.125%
HK$14,799
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,598/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$16,227
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,731
−HK$513/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,293
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,488/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$18,052
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$491/mo
Today · 4.125%
HK$19,027
baseline
▲ 0.50% · 4.625%
HK$20,030
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,054/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).