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$9,008
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,288
−HK$285/mo
Today · 4.125%
HK$9,573
baseline
▲ 0.50% · 4.625%
HK$10,155
+HK$582/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,146/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$10,021
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,290
−HK$272/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,119
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,124/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$10,809
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,146
−HK$341/mo
Today · 4.125%
HK$11,487
baseline
▲ 0.50% · 4.625%
HK$12,186
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,974/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$12,025
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$327/mo
Today · 4.125%
HK$12,675
baseline
▲ 0.50% · 4.625%
HK$13,343
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,350/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$12,611
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,003
−HK$399/mo
Today · 4.125%
HK$13,402
baseline
▲ 0.50% · 4.625%
HK$14,217
+HK$815/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,804/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$14,029
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,406
−HK$381/mo
Today · 4.125%
HK$14,787
baseline
▲ 0.50% · 4.625%
HK$15,567
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,574/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$16,214
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,718
−HK$513/mo
Today · 4.125%
HK$17,231
baseline
▲ 0.50% · 4.625%
HK$18,279
+HK$1,048/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,462/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$18,038
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,522
−HK$490/mo
Today · 4.125%
HK$19,012
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,024/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).