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$8,998
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,278
−HK$284/mo
Today · 4.125%
HK$9,562
baseline
▲ 0.50% · 4.625%
HK$10,144
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,124/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$10,010
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,279
−HK$272/mo
Today · 4.125%
HK$10,551
baseline
▲ 0.50% · 4.625%
HK$11,107
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,102/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$10,798
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$341/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,173
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,950/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$12,012
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$326/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,329
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,322/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$12,597
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,989
−HK$398/mo
Today · 4.125%
HK$13,387
baseline
▲ 0.50% · 4.625%
HK$14,202
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,774/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$14,015
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,390
−HK$382/mo
Today · 4.125%
HK$14,772
baseline
▲ 0.50% · 4.625%
HK$15,550
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,544/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$16,197
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$511/mo
Today · 4.125%
HK$17,212
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$1,048/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,424/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,019
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,502
−HK$490/mo
Today · 4.125%
HK$18,992
baseline
▲ 0.50% · 4.625%
HK$19,993
+HK$1,001/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$37,984/mo (50% DSR)
Upfront cash ≈ HK$395K (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).