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$8,909
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,186
−HK$282/mo
Today · 4.125%
HK$9,468
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,936/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$9,911
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$269/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$551/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,892/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$10,691
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,023
−HK$338/mo
Today · 4.125%
HK$11,361
baseline
▲ 0.50% · 4.625%
HK$12,052
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,722/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$11,893
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$324/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,197
+HK$661/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,072/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$12,472
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,860
−HK$395/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$806/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,510/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$13,875
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$377/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$771/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,250/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$16,036
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$507/mo
Today · 4.125%
HK$17,042
baseline
▲ 0.50% · 4.625%
HK$18,079
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,084/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$17,840
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$486/mo
Today · 4.125%
HK$18,804
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$991/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,608/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).