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$9,018
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,299
−HK$285/mo
Today · 4.125%
HK$9,584
baseline
▲ 0.50% · 4.625%
HK$10,167
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,168/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$10,033
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,302
−HK$273/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,132
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,150/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$10,822
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,159
−HK$342/mo
Today · 4.125%
HK$11,501
baseline
▲ 0.50% · 4.625%
HK$12,200
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$23,002/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$12,039
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$328/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,359
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,380/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$12,626
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,018
−HK$399/mo
Today · 4.125%
HK$13,417
baseline
▲ 0.50% · 4.625%
HK$14,234
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,834/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$14,046
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,422
−HK$383/mo
Today · 4.125%
HK$14,805
baseline
▲ 0.50% · 4.625%
HK$15,585
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,610/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$16,233
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$513/mo
Today · 4.125%
HK$17,251
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,502/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$18,059
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$492/mo
Today · 4.125%
HK$19,035
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,070/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).