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$8,907
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,184
−HK$282/mo
Today · 4.125%
HK$9,466
baseline
▲ 0.50% · 4.625%
HK$10,042
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,932/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,909
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,175
−HK$269/mo
Today · 4.125%
HK$10,444
baseline
▲ 0.50% · 4.625%
HK$10,995
+HK$551/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,888/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,688
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,021
−HK$338/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,718/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,891
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,210
−HK$323/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,194
+HK$661/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,066/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,470
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,858
−HK$394/mo
Today · 4.125%
HK$13,252
baseline
▲ 0.50% · 4.625%
HK$14,058
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,504/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,873
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,245
−HK$377/mo
Today · 4.125%
HK$14,622
baseline
▲ 0.50% · 4.625%
HK$15,393
+HK$771/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,244/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,033
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,531
−HK$507/mo
Today · 4.125%
HK$17,038
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,076/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,836
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,315
−HK$485/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,791
+HK$991/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$391K (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).