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$8,976
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,255
−HK$284/mo
Today · 4.125%
HK$9,539
baseline
▲ 0.50% · 4.625%
HK$10,119
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,078/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$9,986
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,253
−HK$272/mo
Today · 4.125%
HK$10,525
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,050/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$10,771
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$341/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,894/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$11,983
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$326/mo
Today · 4.125%
HK$12,630
baseline
▲ 0.50% · 4.625%
HK$13,296
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,260/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$12,566
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$397/mo
Today · 4.125%
HK$13,354
baseline
▲ 0.50% · 4.625%
HK$14,167
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,708/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$13,980
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,355
−HK$380/mo
Today · 4.125%
HK$14,735
baseline
▲ 0.50% · 4.625%
HK$15,512
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,470/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$16,157
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,659
−HK$511/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,215
+HK$1,045/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,340/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$17,974
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$489/mo
Today · 4.125%
HK$18,945
baseline
▲ 0.50% · 4.625%
HK$19,944
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,890/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).