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$8,996
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,276
−HK$284/mo
Today · 4.125%
HK$9,560
baseline
▲ 0.50% · 4.625%
HK$10,142
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,120/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$10,008
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,277
−HK$272/mo
Today · 4.125%
HK$10,549
baseline
▲ 0.50% · 4.625%
HK$11,105
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,098/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$10,796
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,131
−HK$342/mo
Today · 4.125%
HK$11,473
baseline
▲ 0.50% · 4.625%
HK$12,171
+HK$698/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,946/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$12,010
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,332
−HK$327/mo
Today · 4.125%
HK$12,659
baseline
▲ 0.50% · 4.625%
HK$13,326
+HK$667/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,318/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$12,595
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,987
−HK$398/mo
Today · 4.125%
HK$13,385
baseline
▲ 0.50% · 4.625%
HK$14,199
+HK$814/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,770/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$14,012
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$382/mo
Today · 4.125%
HK$14,769
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$778/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,538/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$16,193
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,697
−HK$512/mo
Today · 4.125%
HK$17,209
baseline
▲ 0.50% · 4.625%
HK$18,256
+HK$1,047/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,418/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,015
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$490/mo
Today · 4.125%
HK$18,988
baseline
▲ 0.50% · 4.625%
HK$19,989
+HK$1,001/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$37,976/mo (50% DSR)
Upfront cash ≈ HK$395K (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).