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$8,989
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$284/mo
Today · 4.125%
HK$9,553
baseline
▲ 0.50% · 4.625%
HK$10,134
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,106/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,001
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,269
−HK$272/mo
Today · 4.125%
HK$10,541
baseline
▲ 0.50% · 4.625%
HK$11,097
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,082/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,787
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,123
−HK$341/mo
Today · 4.125%
HK$11,464
baseline
▲ 0.50% · 4.625%
HK$12,161
+HK$697/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,928/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$12,001
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,323
−HK$326/mo
Today · 4.125%
HK$12,649
baseline
▲ 0.50% · 4.625%
HK$13,316
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,298/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$12,585
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,977
−HK$397/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,188
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,748/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,001
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,376
−HK$381/mo
Today · 4.125%
HK$14,757
baseline
▲ 0.50% · 4.625%
HK$15,535
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,514/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,181
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,684
−HK$512/mo
Today · 4.125%
HK$17,196
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$1,046/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,392/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,001
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,484
−HK$490/mo
Today · 4.125%
HK$18,974
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,000/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,948/mo (50% DSR)
Upfront cash ≈ HK$394K (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).