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$8,915
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,192
−HK$282/mo
Today · 4.125%
HK$9,474
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,948/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,918
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$270/mo
Today · 4.125%
HK$10,454
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$551/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,908/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,698
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$338/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$12,061
+HK$692/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$22,738/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,901
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,221
−HK$323/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,206
+HK$662/mo
Deposit HK$1.56M · loan HK$2.35M · min. income ≈ HK$25,088/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,481
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$395/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,528/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,885
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,257
−HK$378/mo
Today · 4.125%
HK$14,635
baseline
▲ 0.50% · 4.625%
HK$15,407
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,270/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,047
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,546
−HK$507/mo
Today · 4.125%
HK$17,053
baseline
▲ 0.50% · 4.625%
HK$18,091
+HK$1,038/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,106/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,852
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,331
−HK$486/mo
Today · 4.125%
HK$18,817
baseline
▲ 0.50% · 4.625%
HK$19,808
+HK$991/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,634/mo (50% DSR)
Upfront cash ≈ HK$391K (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).