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$8,993
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,273
−HK$284/mo
Today · 4.125%
HK$9,557
baseline
▲ 0.50% · 4.625%
HK$10,138
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,114/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$10,005
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,273
−HK$272/mo
Today · 4.125%
HK$10,545
baseline
▲ 0.50% · 4.625%
HK$11,101
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,090/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$10,792
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,127
−HK$341/mo
Today · 4.125%
HK$11,468
baseline
▲ 0.50% · 4.625%
HK$12,166
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,936/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$12,006
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,327
−HK$327/mo
Today · 4.125%
HK$12,654
baseline
▲ 0.50% · 4.625%
HK$13,321
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,308/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$12,590
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,982
−HK$398/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,194
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,760/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$14,006
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,382
−HK$381/mo
Today · 4.125%
HK$14,763
baseline
▲ 0.50% · 4.625%
HK$15,541
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,526/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$16,187
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,691
−HK$511/mo
Today · 4.125%
HK$17,202
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$1,047/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,404/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$18,008
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,491
−HK$490/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$19,982
+HK$1,001/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,962/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).