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$9,003
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,283
−HK$285/mo
Today · 4.125%
HK$9,568
baseline
▲ 0.50% · 4.625%
HK$10,150
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,136/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$10,016
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$272/mo
Today · 4.125%
HK$10,557
baseline
▲ 0.50% · 4.625%
HK$11,114
+HK$557/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,114/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$10,804
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,140
−HK$341/mo
Today · 4.125%
HK$11,481
baseline
▲ 0.50% · 4.625%
HK$12,180
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,962/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$12,019
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$327/mo
Today · 4.125%
HK$12,669
baseline
▲ 0.50% · 4.625%
HK$13,336
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,338/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$12,605
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,997
−HK$398/mo
Today · 4.125%
HK$13,395
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,790/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$14,022
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$382/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$779/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,560/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$16,206
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,710
−HK$512/mo
Today · 4.125%
HK$17,222
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$1,048/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,444/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$18,029
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$491/mo
Today · 4.125%
HK$19,003
baseline
▲ 0.50% · 4.625%
HK$20,004
+HK$1,001/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$38,006/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).