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$9,006
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,286
−HK$285/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,153
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,142/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$10,019
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,288
−HK$272/mo
Today · 4.125%
HK$10,560
baseline
▲ 0.50% · 4.625%
HK$11,117
+HK$557/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,120/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$10,807
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$342/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,183
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,970/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$12,023
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,345
−HK$327/mo
Today · 4.125%
HK$12,672
baseline
▲ 0.50% · 4.625%
HK$13,340
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,344/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$12,608
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,000
−HK$399/mo
Today · 4.125%
HK$13,399
baseline
▲ 0.50% · 4.625%
HK$14,214
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,798/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$14,026
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,403
−HK$381/mo
Today · 4.125%
HK$14,784
baseline
▲ 0.50% · 4.625%
HK$15,564
+HK$780/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,568/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$16,210
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,715
−HK$512/mo
Today · 4.125%
HK$17,227
baseline
▲ 0.50% · 4.625%
HK$18,275
+HK$1,048/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,454/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$18,034
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,518
−HK$490/mo
Today · 4.125%
HK$19,008
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,002/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$38,016/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).