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$8,971
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$284/mo
Today · 4.125%
HK$9,534
baseline
▲ 0.50% · 4.625%
HK$10,114
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,068/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$9,980
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,248
−HK$272/mo
Today · 4.125%
HK$10,520
baseline
▲ 0.50% · 4.625%
HK$11,074
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,040/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$10,765
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,100
−HK$340/mo
Today · 4.125%
HK$11,440
baseline
▲ 0.50% · 4.625%
HK$12,137
+HK$697/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,880/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,976
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,298
−HK$325/mo
Today · 4.125%
HK$12,623
baseline
▲ 0.50% · 4.625%
HK$13,289
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,246/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,560
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,950
−HK$397/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,159
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,694/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$13,972
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$380/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$777/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,454/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$16,148
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$511/mo
Today · 4.125%
HK$17,161
baseline
▲ 0.50% · 4.625%
HK$18,205
+HK$1,044/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,322/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$17,965
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,446
−HK$489/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$19,933
+HK$998/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,870/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).