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$8,979
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,258
−HK$284/mo
Today · 4.125%
HK$9,542
baseline
▲ 0.50% · 4.625%
HK$10,123
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,084/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$9,989
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$272/mo
Today · 4.125%
HK$10,529
baseline
▲ 0.50% · 4.625%
HK$11,084
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,058/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$10,775
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$340/mo
Today · 4.125%
HK$11,450
baseline
▲ 0.50% · 4.625%
HK$12,147
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,900/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$11,987
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$326/mo
Today · 4.125%
HK$12,634
baseline
▲ 0.50% · 4.625%
HK$13,300
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,268/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$12,571
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,962
−HK$397/mo
Today · 4.125%
HK$13,359
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,718/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$13,985
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$380/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,517
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,480/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$16,162
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,665
−HK$511/mo
Today · 4.125%
HK$17,176
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$1,045/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,352/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$17,980
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,462
−HK$490/mo
Today · 4.125%
HK$18,952
baseline
▲ 0.50% · 4.625%
HK$19,951
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,904/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).