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$8,986
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,266
−HK$284/mo
Today · 4.125%
HK$9,550
baseline
▲ 0.50% · 4.625%
HK$10,131
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,100/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$9,997
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$272/mo
Today · 4.125%
HK$10,537
baseline
▲ 0.50% · 4.625%
HK$11,093
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,074/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$10,783
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$341/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,920/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$11,996
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,318
−HK$327/mo
Today · 4.125%
HK$12,645
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,290/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$12,581
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,972
−HK$398/mo
Today · 4.125%
HK$13,370
baseline
▲ 0.50% · 4.625%
HK$14,183
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,740/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$13,996
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,371
−HK$381/mo
Today · 4.125%
HK$14,752
baseline
▲ 0.50% · 4.625%
HK$15,530
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,504/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$16,175
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,678
−HK$511/mo
Today · 4.125%
HK$17,189
baseline
▲ 0.50% · 4.625%
HK$18,235
+HK$1,046/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,378/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$17,995
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,477
−HK$490/mo
Today · 4.125%
HK$18,967
baseline
▲ 0.50% · 4.625%
HK$19,967
+HK$1,000/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,934/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).