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$8,992
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,272
−HK$284/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,137
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,112/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$10,004
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,272
−HK$272/mo
Today · 4.125%
HK$10,544
baseline
▲ 0.50% · 4.625%
HK$11,100
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,088/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$10,791
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$341/mo
Today · 4.125%
HK$11,467
baseline
▲ 0.50% · 4.625%
HK$12,165
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,934/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$12,004
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$327/mo
Today · 4.125%
HK$12,653
baseline
▲ 0.50% · 4.625%
HK$13,320
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,306/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$12,589
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,981
−HK$397/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,192
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,756/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$14,005
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,381
−HK$381/mo
Today · 4.125%
HK$14,762
baseline
▲ 0.50% · 4.625%
HK$15,540
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,524/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$16,186
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,689
−HK$512/mo
Today · 4.125%
HK$17,201
baseline
▲ 0.50% · 4.625%
HK$18,247
+HK$1,046/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,402/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$18,007
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,489
−HK$490/mo
Today · 4.125%
HK$18,979
baseline
▲ 0.50% · 4.625%
HK$19,980
+HK$1,001/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,958/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).