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$8,978
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,258
−HK$283/mo
Today · 4.125%
HK$9,541
baseline
▲ 0.50% · 4.625%
HK$10,122
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,082/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$9,988
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,256
−HK$272/mo
Today · 4.125%
HK$10,528
baseline
▲ 0.50% · 4.625%
HK$11,083
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,056/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$10,774
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,109
−HK$341/mo
Today · 4.125%
HK$11,450
baseline
▲ 0.50% · 4.625%
HK$12,146
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,900/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$11,986
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$326/mo
Today · 4.125%
HK$12,634
baseline
▲ 0.50% · 4.625%
HK$13,300
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,268/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$12,570
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,961
−HK$397/mo
Today · 4.125%
HK$13,358
baseline
▲ 0.50% · 4.625%
HK$14,171
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,716/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$13,984
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,359
−HK$380/mo
Today · 4.125%
HK$14,739
baseline
▲ 0.50% · 4.625%
HK$15,516
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,478/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$16,161
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,664
−HK$511/mo
Today · 4.125%
HK$17,175
baseline
▲ 0.50% · 4.625%
HK$18,220
+HK$1,045/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,350/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$17,979
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,461
−HK$489/mo
Today · 4.125%
HK$18,950
baseline
▲ 0.50% · 4.625%
HK$19,949
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,900/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).