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$9,277
−HK$285/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$540/mo
▼ 0.25% · 3.875%
HK$10,278
−HK$272/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,107
+HK$557/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,100/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$10,797
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,133
−HK$341/mo
Today · 4.125%
HK$11,474
baseline
▲ 0.50% · 4.625%
HK$12,172
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,948/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$12,334
−HK$327/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,328
+HK$667/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$789/mo
▼ 0.25% · 3.875%
HK$12,988
−HK$398/mo
Today · 4.125%
HK$13,386
baseline
▲ 0.50% · 4.625%
HK$14,201
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,772/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$14,014
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$382/mo
Today · 4.125%
HK$14,771
baseline
▲ 0.50% · 4.625%
HK$15,549
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,542/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$16,196
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,699
−HK$512/mo
Today · 4.125%
HK$17,211
baseline
▲ 0.50% · 4.625%
HK$18,258
+HK$1,047/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,422/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$18,017
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,501
−HK$490/mo
Today · 4.125%
HK$18,991
baseline
▲ 0.50% · 4.625%
HK$19,992
+HK$1,001/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$37,982/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).