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$9,017
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$285/mo
Today · 4.125%
HK$9,583
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,166/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$10,032
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$273/mo
Today · 4.125%
HK$10,574
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,148/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$10,821
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,157
−HK$342/mo
Today · 4.125%
HK$11,499
baseline
▲ 0.50% · 4.625%
HK$12,199
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,998/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$12,038
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,361
−HK$328/mo
Today · 4.125%
HK$12,689
baseline
▲ 0.50% · 4.625%
HK$13,357
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,378/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$12,624
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,017
−HK$399/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,232
+HK$816/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,832/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$14,044
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$382/mo
Today · 4.125%
HK$14,803
baseline
▲ 0.50% · 4.625%
HK$15,584
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,606/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$16,231
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$513/mo
Today · 4.125%
HK$17,249
baseline
▲ 0.50% · 4.625%
HK$18,299
+HK$1,050/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,498/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,057
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,541
−HK$492/mo
Today · 4.125%
HK$19,033
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,066/mo (50% DSR)
Upfront cash ≈ HK$396K (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).