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$9,011
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,291
−HK$285/mo
Today · 4.125%
HK$9,576
baseline
▲ 0.50% · 4.625%
HK$10,158
+HK$582/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,152/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$10,024
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,293
−HK$273/mo
Today · 4.125%
HK$10,566
baseline
▲ 0.50% · 4.625%
HK$11,123
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,132/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$10,813
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$342/mo
Today · 4.125%
HK$11,491
baseline
▲ 0.50% · 4.625%
HK$12,190
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,982/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$12,029
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,352
−HK$327/mo
Today · 4.125%
HK$12,679
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,358/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$12,615
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$399/mo
Today · 4.125%
HK$13,406
baseline
▲ 0.50% · 4.625%
HK$14,222
+HK$816/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,812/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$14,034
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,410
−HK$382/mo
Today · 4.125%
HK$14,792
baseline
▲ 0.50% · 4.625%
HK$15,572
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,584/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$16,219
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$512/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,285
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,472/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$18,044
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,527
−HK$491/mo
Today · 4.125%
HK$19,018
baseline
▲ 0.50% · 4.625%
HK$20,021
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,036/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).