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$9,292
−HK$284/mo
Today · 4.125%
HK$9,576
baseline
▲ 0.50% · 4.625%
HK$10,159
+HK$583/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$10,025
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,294
−HK$273/mo
Today · 4.125%
HK$10,567
baseline
▲ 0.50% · 4.625%
HK$11,124
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,134/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$10,814
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,150
−HK$342/mo
Today · 4.125%
HK$11,492
baseline
▲ 0.50% · 4.625%
HK$12,191
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,984/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$12,030
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,353
−HK$327/mo
Today · 4.125%
HK$12,680
baseline
▲ 0.50% · 4.625%
HK$13,348
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,360/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$12,616
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,008
−HK$399/mo
Today · 4.125%
HK$13,407
baseline
▲ 0.50% · 4.625%
HK$14,223
+HK$816/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,814/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$14,035
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,411
−HK$382/mo
Today · 4.125%
HK$14,793
baseline
▲ 0.50% · 4.625%
HK$15,573
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,586/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$16,220
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,725
−HK$513/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$1,048/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,476/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$18,045
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,529
−HK$491/mo
Today · 4.125%
HK$19,020
baseline
▲ 0.50% · 4.625%
HK$20,022
+HK$1,002/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,040/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).