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$8,988
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,267
−HK$284/mo
Today · 4.125%
HK$9,551
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,102/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$9,999
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,267
−HK$272/mo
Today · 4.125%
HK$10,539
baseline
▲ 0.50% · 4.625%
HK$11,094
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,078/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$10,785
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$341/mo
Today · 4.125%
HK$11,462
baseline
▲ 0.50% · 4.625%
HK$12,159
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,924/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$11,998
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,320
−HK$327/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,294/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$12,583
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$398/mo
Today · 4.125%
HK$13,372
baseline
▲ 0.50% · 4.625%
HK$14,185
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,744/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$13,998
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,374
−HK$381/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,510/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$16,178
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$511/mo
Today · 4.125%
HK$17,192
baseline
▲ 0.50% · 4.625%
HK$18,238
+HK$1,046/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,384/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$17,998
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$490/mo
Today · 4.125%
HK$18,970
baseline
▲ 0.50% · 4.625%
HK$19,970
+HK$1,000/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,940/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).