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$8,911
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$282/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$10,046
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,940/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$9,913
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$270/mo
Today · 4.125%
HK$10,449
baseline
▲ 0.50% · 4.625%
HK$11,000
+HK$551/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,898/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$10,693
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,026
−HK$338/mo
Today · 4.125%
HK$11,364
baseline
▲ 0.50% · 4.625%
HK$12,055
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,728/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$11,896
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,215
−HK$324/mo
Today · 4.125%
HK$12,539
baseline
▲ 0.50% · 4.625%
HK$13,200
+HK$661/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,078/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$12,475
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$395/mo
Today · 4.125%
HK$13,258
baseline
▲ 0.50% · 4.625%
HK$14,064
+HK$806/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,516/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$13,879
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,251
−HK$378/mo
Today · 4.125%
HK$14,629
baseline
▲ 0.50% · 4.625%
HK$15,400
+HK$771/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,258/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$16,040
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$507/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,092/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$17,844
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,323
−HK$485/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,616/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).