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$9,014
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$284/mo
Today · 4.125%
HK$9,579
baseline
▲ 0.50% · 4.625%
HK$10,162
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,158/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$10,028
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,297
−HK$273/mo
Today · 4.125%
HK$10,570
baseline
▲ 0.50% · 4.625%
HK$11,127
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,140/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$10,817
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,153
−HK$342/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,195
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,990/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$12,034
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$327/mo
Today · 4.125%
HK$12,684
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,368/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$12,620
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,012
−HK$399/mo
Today · 4.125%
HK$13,411
baseline
▲ 0.50% · 4.625%
HK$14,227
+HK$816/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,822/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$14,039
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$382/mo
Today · 4.125%
HK$14,798
baseline
▲ 0.50% · 4.625%
HK$15,578
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,596/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$16,225
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,730
−HK$513/mo
Today · 4.125%
HK$17,243
baseline
▲ 0.50% · 4.625%
HK$18,292
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,486/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$18,051
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,535
−HK$491/mo
Today · 4.125%
HK$19,026
baseline
▲ 0.50% · 4.625%
HK$20,029
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,052/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).