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$9,002
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,282
−HK$285/mo
Today · 4.125%
HK$9,567
baseline
▲ 0.50% · 4.625%
HK$10,149
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,134/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$10,015
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,284
−HK$272/mo
Today · 4.125%
HK$10,556
baseline
▲ 0.50% · 4.625%
HK$11,113
+HK$557/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,112/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$10,803
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$341/mo
Today · 4.125%
HK$11,480
baseline
▲ 0.50% · 4.625%
HK$12,179
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,960/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$12,018
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,340
−HK$327/mo
Today · 4.125%
HK$12,667
baseline
▲ 0.50% · 4.625%
HK$13,335
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,334/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$12,603
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,995
−HK$399/mo
Today · 4.125%
HK$13,394
baseline
▲ 0.50% · 4.625%
HK$14,209
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,788/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,021
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,397
−HK$382/mo
Today · 4.125%
HK$14,779
baseline
▲ 0.50% · 4.625%
HK$15,558
+HK$779/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,558/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,204
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,708
−HK$512/mo
Today · 4.125%
HK$17,220
baseline
▲ 0.50% · 4.625%
HK$18,268
+HK$1,048/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,440/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$18,027
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,510
−HK$491/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,003
+HK$1,002/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$38,002/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).