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$8,990
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,270
−HK$284/mo
Today · 4.125%
HK$9,554
baseline
▲ 0.50% · 4.625%
HK$10,135
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,108/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$10,002
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,270
−HK$272/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,098
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,084/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$10,788
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,124
−HK$341/mo
Today · 4.125%
HK$11,465
baseline
▲ 0.50% · 4.625%
HK$12,162
+HK$697/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,930/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$12,002
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,324
−HK$326/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,317
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,300/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$12,586
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,978
−HK$398/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,190
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,752/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$14,002
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,378
−HK$381/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,537
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,518/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$16,182
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$511/mo
Today · 4.125%
HK$17,197
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$1,047/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,394/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$18,003
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$489/mo
Today · 4.125%
HK$18,975
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,001/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,950/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).