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$9,008
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,289
−HK$284/mo
Today · 4.125%
HK$9,573
baseline
▲ 0.50% · 4.625%
HK$10,156
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,146/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$10,022
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,291
−HK$272/mo
Today · 4.125%
HK$10,563
baseline
▲ 0.50% · 4.625%
HK$11,120
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,126/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$10,810
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,146
−HK$342/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,187
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,976/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$12,026
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,349
−HK$327/mo
Today · 4.125%
HK$12,676
baseline
▲ 0.50% · 4.625%
HK$13,344
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,352/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$12,612
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,004
−HK$399/mo
Today · 4.125%
HK$13,403
baseline
▲ 0.50% · 4.625%
HK$14,218
+HK$815/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,806/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$14,031
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,407
−HK$382/mo
Today · 4.125%
HK$14,789
baseline
▲ 0.50% · 4.625%
HK$15,568
+HK$779/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,578/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$16,215
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,720
−HK$512/mo
Today · 4.125%
HK$17,232
baseline
▲ 0.50% · 4.625%
HK$18,281
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,464/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$18,039
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$491/mo
Today · 4.125%
HK$19,014
baseline
▲ 0.50% · 4.625%
HK$20,016
+HK$1,002/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,028/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).