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$9,006
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$284/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$583/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,142/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$10,020
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,288
−HK$273/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$557/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,122/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$10,808
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,144
−HK$341/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,184
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,970/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$12,023
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,346
−HK$327/mo
Today · 4.125%
HK$12,673
baseline
▲ 0.50% · 4.625%
HK$13,341
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,346/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$12,609
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,001
−HK$399/mo
Today · 4.125%
HK$13,400
baseline
▲ 0.50% · 4.625%
HK$14,215
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,800/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$14,027
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,404
−HK$381/mo
Today · 4.125%
HK$14,785
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$780/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,570/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$16,212
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,716
−HK$512/mo
Today · 4.125%
HK$17,228
baseline
▲ 0.50% · 4.625%
HK$18,276
+HK$1,048/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,456/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$18,035
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,519
−HK$491/mo
Today · 4.125%
HK$19,010
baseline
▲ 0.50% · 4.625%
HK$20,012
+HK$1,002/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$38,020/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).