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$8,973
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,252
−HK$284/mo
Today · 4.125%
HK$9,536
baseline
▲ 0.50% · 4.625%
HK$10,116
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,072/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$9,983
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,250
−HK$272/mo
Today · 4.125%
HK$10,522
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,044/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$10,768
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,103
−HK$340/mo
Today · 4.125%
HK$11,443
baseline
▲ 0.50% · 4.625%
HK$12,139
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,886/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,979
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,300
−HK$326/mo
Today · 4.125%
HK$12,626
baseline
▲ 0.50% · 4.625%
HK$13,292
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,252/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,562
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,953
−HK$397/mo
Today · 4.125%
HK$13,350
baseline
▲ 0.50% · 4.625%
HK$14,163
+HK$813/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,700/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$13,976
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$381/mo
Today · 4.125%
HK$14,731
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,462/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$16,152
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,654
−HK$511/mo
Today · 4.125%
HK$17,165
baseline
▲ 0.50% · 4.625%
HK$18,209
+HK$1,044/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,330/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$17,969
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$489/mo
Today · 4.125%
HK$18,939
baseline
▲ 0.50% · 4.625%
HK$19,938
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,878/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).