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$8,991
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,271
−HK$284/mo
Today · 4.125%
HK$9,555
baseline
▲ 0.50% · 4.625%
HK$10,136
+HK$581/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,110/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$541/mo
▼ 0.25% · 3.875%
HK$10,271
−HK$272/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,098
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,086/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$10,789
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,125
−HK$341/mo
Today · 4.125%
HK$11,466
baseline
▲ 0.50% · 4.625%
HK$12,163
+HK$697/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,932/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$12,003
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,325
−HK$326/mo
Today · 4.125%
HK$12,651
baseline
▲ 0.50% · 4.625%
HK$13,318
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,302/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$12,587
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,979
−HK$398/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,190
+HK$813/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,754/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$14,003
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,379
−HK$381/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,538
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,520/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$16,184
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,687
−HK$511/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$1,047/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$34,396/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$18,004
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,487
−HK$490/mo
Today · 4.125%
HK$18,977
baseline
▲ 0.50% · 4.625%
HK$19,977
+HK$1,000/mo
Deposit HK$394K · loan HK$3.55M · min. income ≈ HK$37,954/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).