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$9,016
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,296
−HK$285/mo
Today · 4.125%
HK$9,581
baseline
▲ 0.50% · 4.625%
HK$10,164
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,162/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$10,030
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,299
−HK$273/mo
Today · 4.125%
HK$10,572
baseline
▲ 0.50% · 4.625%
HK$11,129
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,144/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$10,819
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,155
−HK$342/mo
Today · 4.125%
HK$11,497
baseline
▲ 0.50% · 4.625%
HK$12,197
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,994/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$12,036
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$327/mo
Today · 4.125%
HK$12,686
baseline
▲ 0.50% · 4.625%
HK$13,355
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,372/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$12,622
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,015
−HK$398/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,230
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,826/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$14,042
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$382/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,581
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,600/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$16,228
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,733
−HK$513/mo
Today · 4.125%
HK$17,246
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,492/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$18,054
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$491/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,032
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,058/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).