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$9,009
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,289
−HK$285/mo
Today · 4.125%
HK$9,574
baseline
▲ 0.50% · 4.625%
HK$10,157
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,148/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$10,023
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,292
−HK$272/mo
Today · 4.125%
HK$10,564
baseline
▲ 0.50% · 4.625%
HK$11,121
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,128/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$10,811
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,147
−HK$342/mo
Today · 4.125%
HK$11,489
baseline
▲ 0.50% · 4.625%
HK$12,188
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,978/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$12,027
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$327/mo
Today · 4.125%
HK$12,677
baseline
▲ 0.50% · 4.625%
HK$13,345
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,354/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$12,613
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$399/mo
Today · 4.125%
HK$13,404
baseline
▲ 0.50% · 4.625%
HK$14,219
+HK$815/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,808/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$14,032
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$382/mo
Today · 4.125%
HK$14,790
baseline
▲ 0.50% · 4.625%
HK$15,569
+HK$779/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,580/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$16,217
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,721
−HK$513/mo
Today · 4.125%
HK$17,234
baseline
▲ 0.50% · 4.625%
HK$18,282
+HK$1,048/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,468/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$18,041
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,525
−HK$491/mo
Today · 4.125%
HK$19,016
baseline
▲ 0.50% · 4.625%
HK$20,018
+HK$1,002/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,032/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).