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$8,908
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,185
−HK$282/mo
Today · 4.125%
HK$9,467
baseline
▲ 0.50% · 4.625%
HK$10,043
+HK$576/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,934/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$9,910
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,176
−HK$270/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$10,996
+HK$550/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$10,690
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,022
−HK$338/mo
Today · 4.125%
HK$11,360
baseline
▲ 0.50% · 4.625%
HK$12,051
+HK$691/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,720/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$11,892
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,211
−HK$324/mo
Today · 4.125%
HK$12,535
baseline
▲ 0.50% · 4.625%
HK$13,195
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,070/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$12,471
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,859
−HK$394/mo
Today · 4.125%
HK$13,253
baseline
▲ 0.50% · 4.625%
HK$14,060
+HK$807/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,506/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$13,874
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,246
−HK$378/mo
Today · 4.125%
HK$14,624
baseline
▲ 0.50% · 4.625%
HK$15,395
+HK$771/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,248/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$16,035
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,533
−HK$507/mo
Today · 4.125%
HK$17,040
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$1,037/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,080/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$17,838
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,317
−HK$485/mo
Today · 4.125%
HK$18,802
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$991/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,604/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).