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$9,005
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,285
−HK$285/mo
Today · 4.125%
HK$9,570
baseline
▲ 0.50% · 4.625%
HK$10,152
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,140/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$10,018
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$272/mo
Today · 4.125%
HK$10,559
baseline
▲ 0.50% · 4.625%
HK$11,116
+HK$557/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,118/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$10,806
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$342/mo
Today · 4.125%
HK$11,484
baseline
▲ 0.50% · 4.625%
HK$12,182
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,968/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$12,022
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$327/mo
Today · 4.125%
HK$12,671
baseline
▲ 0.50% · 4.625%
HK$13,339
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,342/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$12,607
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,999
−HK$399/mo
Today · 4.125%
HK$13,398
baseline
▲ 0.50% · 4.625%
HK$14,213
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,796/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$14,025
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$382/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$779/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,566/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$16,209
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,713
−HK$512/mo
Today · 4.125%
HK$17,225
baseline
▲ 0.50% · 4.625%
HK$18,274
+HK$1,049/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,450/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$18,032
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,516
−HK$491/mo
Today · 4.125%
HK$19,007
baseline
▲ 0.50% · 4.625%
HK$20,008
+HK$1,001/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$38,014/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).